{"version":1,"type":"rich","provider_name":"Libsyn","provider_url":"https:\/\/www.libsyn.com","height":90,"width":600,"title":"Your Health Plan Is Probably Screwing You","description":"Your health plan might be robbing you blind. The fun part? You may be paying someone to let it happen. Healthcare benefits are one of the biggest expenses for small business owners, and most employers are stuck playing a game where the rules are hidden, the prices move, and somehow the bill always gets worse. In this episode of The Liquid Lunch Project, hosts Matthew R. Meehan and Luigi Rosabianca sit down with Donovan Ryckis, CEO of Ethos Benefits, to rip the lid off employer-sponsored healthcare. Donovan breaks down why insurance costs keep rising, how brokers can create conflicts of interest, why pharmacy benefit managers deserve a long side-eye, and how small businesses can start asking much better questions before renewal season punches them in the face.   \ud83c\udf78 What you'll hear in this episode: Why healthcare is usually expense number two or three for a business How broker compensation can work against employers Why \u201cthe insurance company pays me\u201d is not the cute answer people think it is The four moving parts of every healthcare plan Why claims data matters more than carrier logos How pharmacy benefit managers quietly drive up drug costs Why direct primary care can cut ER visits and save employees time The real reason better benefits do not have to mean higher costs How small business owners can stop picking the \u201cleast bad\u201d plan Why transparency is the first step to taking back control   \ud83d\udca1 Notable Takeaway: \u201cThe only way any healthcare plan is going to lower costs for the employer is if it first lowers costs and works better for the employees.\u201d - Donovan   \ud83d\udc64 About our Guest: Donovan J. Ryckis is the CEO of Ethos Benefits, an award-winning employee benefits consulting firm helping employers lower healthcare costs through fiduciary-based consulting. He is also the producer of the documentary \u201cIt\u2019s Not Personal, It\u2019s Just Healthcare.\u201d   \ud83c\udfa7 Why Listen: Before your next healthcare renewal, listen to this episode and ask your broker one question: \u201cExactly how are you getting paid?\u201d Then visit EthosBenefits.com to learn more, watch Donovan\u2019s documentaries, and see what a smarter healthcare plan could look like for your business.   \ud83d\udd17 Links + Stuff Website: www.EthosBenefits.com YouTube: https:\/\/www.youtube.com\/@thebusinessofbenefitspodcast LinkedIn: https:\/\/www.linkedin.com\/in\/donovanryckis\/ Watch the healthcare documentary: https:\/\/ethosbenefits.com\/documentary Watch the PBM documentary, Side Effects May Include: https:\/\/ethosbenefits.com\/pbm-documentary     \ud83d\udd14 Enjoyed the episode? Subscribe so you don\u2019t miss future conversations on business growth, funding, strategy, and the stuff most people don\u2019t explain clearly. If this episode helped, a quick rating or review goes a long way. It helps the show reach more business owners who actually care about getting this right.     \ud83c\udfa7 Listen or watch The Liquid Lunch Project Available on all major podcast and video platforms: \u2022 Official site: https:\/\/theliquidlunchproject.com \u2022 Apple Podcasts: https:\/\/podcasts.apple.com\/us\/podcast\/the-liquid-lunch-project\/ \u2022 Spotify: https:\/\/open.spotify.com\/show\/12HPEDMmsbfsp8tHt5LiZJ \u2022 Audible: https:\/\/shorturl.at\/6j4vz\u2022 YouTube (full episodes + clips): https:\/\/www.youtube.com\/@Credit_Banc     \ud83d\udcec Want more than just the podcast? Every Friday, we publish The Weekly. A fast, smart rundown of what actually matters in finance, tech, small business, and the economy\u2026without the noise. Subscribe here: \ud83d\udc49 https:\/\/theweeklyfromshieldadvisory.substack.com\/     \ud83d\udcbc Need funding or working capital? If today\u2019s conversation raised questions about capital, cash flow, or financing options, you can schedule a conversation with our sponsor, Credit Banc. Credit Banc helps business owners make sense of their options and move forward with a clear plan, without pressure or guesswork. \ud83d\udc49 Book a free 15-minute call here: https:\/\/tinyurl.com\/3dh9vy86   \ud83d\udcf2 Connect with the hosts Follow along for behind-the-scenes clips, commentary, and things that don\u2019t make it into the episode. \u2022 Matt Meehan: https:\/\/www.instagram.com\/matthew.r.meehan \u2022 Luigi Rosabianca: https:\/\/www.instagram.com\/luigi_rosabianca \u2022 The Liquid Lunch Project: https:\/\/www.instagram.com\/theliquidlunchproject\/     \ud83d\udcac One last thing Know a business owner who would appreciate this conversation? Send them the episode. That\u2019s how this show grows. ","author_name":"The Liquid Lunch Project","author_url":"https:\/\/theliquidlunchproject.com","html":"