John Rutledge

John Rutledge, a veteran in employee benefits from Marsh McLennan Agency, dives into the chaotic evolution of health insurance over the past four decades. He reveals how the industry shrank from 25 carriers to just four, significantly limiting competition. Rutledge discusses the impact of the ACA on self-funding and the increasing relevance of alternative risk models like captives. He also emphasizes the crucial need for engaged employers to stabilize costs, push for price transparency, and actively manage their healthcare as a key component of their business strategy.