<p class="whitespace-pre-wrap break-words">In this episode, Dennis Carlson sits down with Kristen Rivers, SVP of Sales at ParetoHealth. They discuss how mission-aligned benefits consultants and employers can access premium healthcare solutions typically reserved for large companies through captive healthcare models, highlighting the limitations of traditional fully-insured and level-funded plans while emphasizing the value of actionable data transparency and stronger contractual protections available through alternative funding approaches.</p> <h1 class="text-2xl font-bold mt-1 text-text-100">Key Takeaways</h1> <ol class= "[&:not(:last-child)_ul]:pb-1 [&:not(:last-child)_ol]:pb-1 list-decimal space-y-1.5 pl-7"> <li class="whitespace-normal break-words">The healthcare market is at a watershed moment where employers are seeking alternatives to unsustainable cost increases in traditional fully-insured plans, with many consultants becoming catalysts for this change.</li> <li class="whitespace-normal break-words">Contrary to popular belief, level-funded plans are often "fully insured, repackaged with a little more data" but without the ability to meaningfully act on that data to control costs.</li> <li class="whitespace-normal break-words">Pareto Health's model provides stronger contractual protections (no-new laser provision and 30% rate cap for the entire membership duration) while giving employers access to cost-saving levers like alternative drug sourcing and patient assistance programs.</li> </ol> <h1 class="text-2xl font-bold mt-1 text-text-100">Contact Information</h1> <p class="whitespace-pre-wrap break-words">To connect with Kristen Rivers or learn more about Pareto Health, reach out to her directly on <a href= "https://www.linkedin.com/in/kristenrivers/">LinkedIn</a> or contact any member of the Pareto team in your market.</p>