Own Your Benefits

Brandon Ernstes and Steve Gingrich
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Most employers spend millions on healthcare without realizing how much control they actually have. Own Your Benefits is for forward-thinking leadership teams who want to take ownership of their healthcare and benefits strategy. Through conversations with industry leaders, healthcare experts, and employers, you’ll learn how to lower costs, improve employee health, and turn your healthcare program into a competitive advantage. Hosted by Brandon Ernstes and Steve Gingrich.

Episodes

  1. Aug 19

    Why Every Employer Needs to Care About Stop-Loss In 2026

    Employers often treat stop-loss insurance as a passive safety net. But with $2 million healthcare claims spiking by 213% since 2020, relying on a traditional deductible without a strategy is a guaranteed way to blow up your next renewal.In this episode of Own Your Benefits, Steve Gingrich and Brandon Ernstes break down exactly what employers need to know about the 2026 stop-loss market. We uncover the hidden conflicts of interest ruining healthcare captives and explain how high-performing, ownership-minded leadership teams are actively fighting back.We skip the theory and dive into three real-world case studies showing exactly how employers are legally neutralizing massive claims mid-year—protecting their employees and their bottom line at the same time.In this episode: 0:00 - Intro & The 2026 Stop-Loss Crisis ($2M Claims Up 213%) 3:18 - Stop-Loss 101: Specific vs. Aggregate Deductibles Explained 8:10 - Cost Containment: Voluntary vs. Required Plan Engagement 11:13 - The Truth About Captives, Consortiums, and Stand-Alone Stop-Loss 13:28 - Red Flag: The Captive Manager Conflict of Interest 28:10 - Case Study 1: Neutralizing an $850k Laser for Childhood Cancer 34:47 - Case Study 2: Saving 30-40% by Redirecting Cancer Infusions 37:51 - Case Study 3: Shifting a $600k Renal Claim to Medicare

  2. Episode 1

    Stop Treating Healthcare Like a Fixed Cost | Own Your Benefits

    Employers are spending millions a year on healthcare — and most have no idea how much control they actually have over it.Welcome to Own Your Benefits, the podcast for leadership teams who are done accepting double-digit renewals as the cost of doing business. Hosts Steve Gingrich and Brandon Ernstes break down the practical strategies employers across the country are using to improve employee health and lower long-term healthcare costs at the same time. Each episode brings in industry experts, healthcare leaders, and the employers actually implementing this work — no theory, no jargon.Every employer is in the healthcare business, whether they like it or not.In this trailer:- Why healthcare belongs on the P&L like every other major expense- What separates leadership teams that control costs from those that don't- How the right long-term strategy improves employee health and the bottom line- Why this show is for employees, not just executives

Trailer

About

Most employers spend millions on healthcare without realizing how much control they actually have. Own Your Benefits is for forward-thinking leadership teams who want to take ownership of their healthcare and benefits strategy. Through conversations with industry leaders, healthcare experts, and employers, you’ll learn how to lower costs, improve employee health, and turn your healthcare program into a competitive advantage. Hosted by Brandon Ernstes and Steve Gingrich.

Information

  • Creator
    Brandon Ernstes and Steve Gingrich
  • Years Active
    2026
  • Episodes
    2
  • Rating
    Clean
  • Copyright
    © Brandon Ernstes and Steve Gingrich
  • Show Website
    Own Your Benefits