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Resources
Education is the whole mission. Every tool below is free, unlisted from no one, and yours to forward. If you see the value, we'll talk. If you don't, use them anyway.
For Employers & Plan Fiduciaries
Tools for the CEO, CFO or HR leader responsible for the company health plan.
Checklist · View & Print
CEO Fiduciary Checklist
Start here. A one-page reference for plan sponsors — the questions to ask, the documents to keep, and the decisions to record. View it on screen or print a copy for your governance file.
View & printChecklist · View & Print
Broker BS Detector — CEO Edition
Fifteen questions that reveal who your broker really works for. Print it, hand it to your broker, and demand every answer in writing. If they hedge, you already have your answer.
View & printRecipe Card · View & Print
Cost-Effective, Quality Healthcare
A one-page recipe for building a lower-cost, higher-quality health plan: the ingredients (DPC, reference-based pricing, transparent contracts), the instructions, and the chef's note. Print it and stick it on the breakroom fridge.
View & printSurvey · View & Print
Confidential Employee Survey
A three-page, anonymous questionnaire to collect employee input before changing plan design or adding benefits like direct primary care, travel-for-care, or cash incentives. Print it, add your return date, and use the totals as a decision record.
View & printSelf-Assessment
Health Plan Fiduciary Self-Assessment
A structured walk-through of the questions ERISA expects a Plan fiduciary to be able to answer. Complete it in a sitting and print a completion badge for your governance file. Not a certification — an honest mirror.
Take the assessmentGuide
Read Your Own Claims File
A working method for CEOs who self-fund. The exact data fields to request, five spreadsheet sorts that expose facility fees and split billing, 2026 Medicare benchmarks, and the five questions your broker and TPA should be able to answer on the spot.
Open the guideCheat Sheet · PDF
The CEO's Claims Data Cheat Sheet
The claims-file guide in two printable pages: the fields to request, the five sorts, the benchmarks, and the five questions. Forward it to your CFO or your board.
Download PDFWorkbook · Excel
2026 Medicare Benchmark Workbook
Top-50 physician rates (office and facility) plus the top-50 hospital outpatient facility payments for CY 2026. The lookup companion to the claims-file guide — plug your paid amounts against Medicare to get your multiple.
Download workbook (.xlsx)Calculator
The Vendor True Cost Calculator
Add up what you actually pay your broker, TPA, PBM, and consultants — then answer one question: what did it save you? A quick fiduciary reality check. Nothing is stored, nothing is sent.
Run the numbersCalculator
The Facility Fee Calculator
Hospital-owned clinics often bill a separate facility fee on top of the physician charge — sometimes doubling the cost of an office visit. Plug in a real claim and see what the same service can cost across settings. Nothing is stored, nothing is sent.
Run the numbersFor Individuals & Employees
Personal decision tools you can use yourself — or hand to someone who needs them.
Calculator
The Wellness Lab Trap Calculator
A side-by-side comparison of what your hospital charges for routine wellness labs after the PPO 'discount' versus the posted cash price for the same tests. Enter real prices and see the markup in real time.
Run the numbersCalculator
Health Plan Comparison Calculator
Compare two plan designs side by side — premiums, deductibles, out-of-pocket exposure — so you can see the real cost of a plan choice before enrollment, not after.
Open the calculatorCalculator
Should I Elect COBRA?
A plain-English decision tool for departing employees weighing COBRA against marketplace coverage. Share it with HR or hand it directly to people navigating a transition.
Run the numbersMissing something?
If there's a tool, checklist or benchmark you wish existed — tell us. If it belongs in a fiduciary's hands, we'll build it and add it here.
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