The Forefront

2019 Volume #4 Self-Funded Pharmacy Program


I hope all of you enjoyed your summer and are getting ready to savor fall!   Getting back to business – employers that self-fund their health care program should take note of their Lyrica. Lyrica is a non-opioid medication commonly used to treat neuropathic pain and fibromyalgia. Lyrica is used extensively so current utilization is […]


2019 Volume #3 | 81% – Holy Smokes


81%- Holy Smokes! The Milwaukee’s BizTimes reported that claims data from three of the nation’s largest insurance companies shows that only Alaskans pay more for medical services than Wisconsinites. Wisconsin ranks second in having the highest medical prices in the country. The Health Care Cost Institute, a Washington D.C. based non-profit that researches and analyzes […]


2019 Volume #2 | Underfunded Retirement Plans


Many public sector pension plans are hemorrhaging due to underfunding over many years and union members may not be reaping the benefits, and this is because employers have had to funnel more of workers’ compensation to insolvent union-run multi-employer pension plans. Many employers have gone bankrupt, which has shifted the funding burden to others. According […]


2019 Volume #1 | Is Health Care a Beast?


Health care has gone up three times faster than inflation in the past 40 years. Currently, about $0.20 of every dollar made in the U.S. is spent on health care and it is getting worse. Kristin Downey, a Washington Post Staff Writer, reported, “for each mid-size car DaimlerChrysler AG builds at one of its U.S. […]


2018 Volume #6 | A Small Employer Opportunity?


On October 23rd, the Trump administration proposed regulations to substantially expand the use of tax-advantaged health reimbursement accounts (HRAs) by allowing employers to pay for their worker’s health plans in the individual market. HRAs are employer-sponsored accounts used to pay for employee premiums and other medical expenses on a tax-free basis. Under the proposal, all […]


2018 Volume #5 | SINGLE PAYER Health Insurance


“BernieCare” is the latest attempt to move health care under the government tent. I have written on these pages before that health insurance will never cost more than when it is free and that sentiment holds true today.


2018 Volume 4 | Social Security


The recent Social Security Trustee’s 2018 report has created a political hornet’s nest with the Trump administration in the middle of it. The meat of this newly released report shows that Medicare will run out of money in 8 years, and Social Security will become insolvent in 16 years. “This report should eliminate any doubt […]


2018 Volume 3 | The End of Generic Drugs?


The End of Generic Drugs? The generic drug industry, which supplies most of the drugs prescribed in the United States, is in crisis due to plummeting prices. The drug giants are refusing to develop certain drugs because there is no profit in it. Teva Pharmaceutical Industries, one of the largest manufacturers of generic drugs in […]


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