Healthcare Happy Hour

In this episode of Healthcare Happy Hour, host David Saltzman sits down with Chris Orestis, president of Retirement Genius, to explore the critical gaps in retirement planning—particularly when it comes to healthcare and long-term care costs. Chris explains how a lack of financial literacy and avoidance of difficult conversations leave many Americans unprepared for the realities of aging, often leading to crisis-driven decisions. The discussion highlights the growing importance of income planning, managing debt, and understanding longevity risk, as well as the significant financial and emotional impact of long-term care on individuals and families. Chris also outlines practical strategies for both consumers and advisors, emphasizing the need for early planning, diversified financial tools, and a more holistic, solution-oriented approach to retirement readiness in this first installment of a two-part series.

In this episode of Healthcare Happy Hour, host David Saltzman sits down with Lunna Lopez, senior survey manager at the Kaiser Family Foundation, to examine how rising healthcare costs are affecting consumers’ insurance decisions and overall financial well-being. Drawing on recent KFF survey data, they explore how increases in premiums, deductibles, and out-of-pocket costs are forcing many marketplace enrollees to make difficult trade-offs—such as cutting back on basic household expenses or dropping coverage altogether. The conversation highlights the emotional toll of navigating coverage decisions, including widespread feelings of stress, confusion, and frustration, and discusses how affordability challenges may influence consumer behavior, market stability, and broader policy and voting dynamics.

In this timely episode of Healthcare Happy Hour, host David Saltzman sits down with NABIP Medicare Advisory Group Chair Chalen Jackson for an in-depth discussion on the 2027 Medicare Advantage and Part D Final Rule, released last week. They break down key policy changes, including updates to Star Ratings and Part D provisions, and what they mean for both beneficiaries and advisors. The conversation also explores evolving market dynamics, expected pressure on plan benefits, and new flexibilities for agents that can improve workflow and client engagement. Chalen highlights how ongoing advocacy efforts helped shape many of these changes and offers practical guidance on how advisors can prepare for another challenging enrollment season.

In this episode of Healthcare Happy Hour, David Saltzman sits down with Will Johnson, CEO and co-founder of Gyde Health, to discuss how AI and modern technology are transforming the insurance broker industry. They explore the historical underinvestment in brokers despite their role as the front door to the healthcare system, and how AI can automate administrative work to free up capacity for growth and client engagement. Will also shares his vision for the future of advisors as comprehensive, technology-enabled guides who support consumers across insurance, health, and financial decisions.

In this episode of Healthcare Happy Hour, David Saltzman sits down with Jennifer Berman, chief legal officer of Lumelight, to break down the key provisions of the Consolidated Appropriations Act (CAA) 2026. The discussion focuses on expanded transparency requirements, including new prescription drug reporting and significant changes to compensation disclosure rules impacting brokers, TPAs, and other health plan vendors. Jennifer also explores the growing fiduciary responsibilities for plan sponsors, increased litigation risk, and the need for structured governance and documentation. The conversation highlights both the challenges and opportunities these evolving regulations present for plan sponsors, vendors, and advisors.

In this episode of Healthcare Happy Hour, David Saltzman sits down with Joshua Brooker, co-founder and chief visionary officer of SnapHealth and chair of NABIP’s Individual Market Working Group, to break down NABIP’s 28-page comment letter to CMS on the proposed 2027 Notice of Benefit and Payment Parameters (NBPP). Drawing on the Working Group’s expertise and insights, they explore key implications for the ACA market, including the impact on brokers, consumers, and carriers, as well as the revisions and proposals that could shape its future.

In this episode of Healthcare Happy Hour, David Saltzman interviews Lena Chaihorsky, co-founder and senior vice president of Payer Innovation at Alva10, discussing the concept of precision medicine and its implications for healthcare delivery. They explore the importance of pharmacogenomics, the role of brokers in implementing precision medicine, and the need for education among employers regarding these innovative healthcare solutions. Lena emphasizes the significance of drug efficacy and the financial implications of non-optimized medications, while also highlighting real-world applications and future directions for the NABIP's Precision Medicine Task Force.

In this episode of Healthcare Happy Hour, host David Saltzman interviews Craig Gussin, president & CEO of Auerbach & Gussin. Craig shares his journey from starting in life and disability insurance to becoming a trusted media resource in health insurance. He discusses the importance of proactive media engagement, building relationships with media outlets, and effectively communicating with the public. Craig emphasizes the need for insurance professionals to position themselves as resources for consumers and the media, providing valuable insights and education. He also offers advice for aspiring media experts in the industry.

Employers and health plans continue to face rising healthcare costs driven by chronic conditions, fragmented care delivery, and delayed access to services. In this episode of Healthcare Happy Hour, host David Saltzman speaks with Jon O’Toole, chief revenue officer of Recuro Health, about how integrated virtual care models—connecting primary care, urgent care, and behavioral health—are emerging as a response to these pressures. Drawing from industry data, case study insights, and market trends, the conversation explores how coordinated virtual care delivery can improve care quality while generating measurable cost savings across populations.

In this episode of Healthcare Happy Hour, host David Saltzman speaks with Dr. Darwin Hale, founder and CEO of Advocate Health Advisors, about the critical role of brokers in the healthcare system, particularly in Medicare Advantage. Dr. Hale shares his personal journey that led him to establish his company, emphasizing the importance of localized connections and trust in helping seniors navigate their healthcare options. The conversation also explores the distinction between advocacy and sales, the value of Medicare Advantage plans, and the future of healthcare innovation.

In this episode of Healthcare Happy Hour, host David Saltzman engages with NABIP President Susan Rider to discuss the evolving landscape of the benefits and insurance industry. They explore the fragmentation within the industry, the importance of member engagement, and the integration of technology and AI to enhance member services. Susan shares insights on professional development, the significance of designations, and the association's efforts to modernize its brand. The conversation also highlights the need for academic partnerships and the establishment of a rapid response media team to strengthen community engagement and advocacy efforts.

In this episode of Healthcare Happy Hour, host David Saltzman discusses the importance of supplemental health benefits with Diana Steinhoff, president and CEO, and John Feeney, vice president of group sales and market development, from Renaissance Life and Health. They explore the rising healthcare costs and how supplemental benefits can help cover out-of-pocket expenses for employees. The conversation highlights the perspectives of employers and employees regarding these benefits, the role of brokers in offering them, and emerging trends in the industry.

In this episode of Healthcare Happy Hour, David Saltzman speaks with Pat Kelly, executive director and CEO of Your Health Idaho. They discuss the evolution of the health exchange since its inception in 2013, the critical role of agents and brokers in the enrollment process, and how a private sector mindset has enhanced customer experience. Pat shares insights on maintaining a competitive insurance market in Idaho, operational efficiency, and the impact of local agents in rural areas. They also address the potential implications of post-COVID subsidies and future innovations for sustainability.

In this episode of Healthcare Happy Hour, sponsored by EyeMed, David Saltzman discusses the importance of vision benefits with Jason Rome, chief commercial officer, and Dr. John Lahr, senior medical director, from EyeMed. They explore how eye exams can play a crucial role in early detection of medical conditions, the impact of eye health on overall well-being and productivity, and how vision benefits can enhance employee satisfaction and retention in a competitive job market. The conversation emphasizes the need for brokers to effectively communicate the value of vision care to employers and the broader implications for healthcare costs.

In this episode of Healthcare Happy Hour, David Saltzman interviews Ray Seaver, CEO of Zizzl Health, discussing the innovative Individual Coverage Health Reimbursement Arrangement (ICHRA) model. They explore how ICHRAs provide employers with a flexible way to offer health insurance, addressing key pain points such as affordability and employee satisfaction. The conversation delves into the employee experience, the importance of decision support tools, and the unique advantages of Zizzl Health's approach. They also touch on regulatory challenges, compensation models for advisors, and future trends in the ICHRA landscape.

In this episode of Healthcare Happy Hour, sponsored by RxBenefits, host David Saltzman and Rick Israel, partner at Life Line Insurance Consultants, discuss the significance of in-district meetings with legislators for healthcare professionals. They explore strategies for scheduling these meetings, the importance of preparation, and how to build lasting relationships with legislators. The conversation also covers the engagement with state legislators and effective follow-up strategies to ensure ongoing communication and advocacy.

In this episode of Healthcare Happy Hour, David Saltzman and Steve Cain, director, sales & business development leader, at LTCI Partners, discuss the evolving landscape of long-term care insurance. They explore the current state of the market, the impact of demographic shifts, and the role of public programs in shaping private insurance conversations. The discussion highlights the importance of long-term care planning and the need for financial advisors to engage clients in these critical discussions. Looking ahead, they anticipate continued growth and demand for long-term care solutions as awareness increases.

In this episode of Healthcare Happy Hour, David Saltzman speaks with Jessica Altman, Executive Director of Covered California, about the implications of the recent public law, often referred to as the 'Big Beautiful Bill.' They discuss its significant provisions affecting healthcare markets, particularly focusing on affordability, Medicaid changes, plan design, and the potential impact on consumers and providers. The conversation also touches on the likelihood of Congress extending enhanced premium tax credits and the challenges and opportunities that lie ahead for healthcare coverage in the United States.

In this episode of Healthcare Happy Hour, sponsored by AffirmedRx, David Saltzman speaks with Mike Stancil, Vice President of Strategic Alliances at AffirmedRx, about the unique structure of public benefit corporations in healthcare, emphasizing the importance of prioritizing patient care over profits. They discuss the need for transparency in pharmacy benefits, the growing awareness among employers regarding their options, and the complexities surrounding specialty medications. The conversation highlights the innovative approaches AffirmedRx is taking to ensure better healthcare outcomes while maintaining ethical standards.

In this episode of Healthcare Happy Hour, host David Saltzman interviews AbsenceSoft founder Seth Turner about the growing role of leave as a core employee benefit. Paid leave is no longer just a nice-to-have. It’s a deciding factor for job seekers and a loyalty builder for current staff. Seth shares new data on the types of leave employees value most, how poor leave experiences drive turnover, and why delivering the right leave benefits with the right process can improve retention, morale, and compliance. HR and benefits leaders will walk away with practical strategies to support today’s workforce more effectively, without adding to their administrative load.