The Benefit Whisperer

The Benefit Whisperer


Latest Episodes

Insurance FAQs: Your Employees’ Most Asked Questions (Ep. 23)
August 26, 2025

What if your company could save millions on healthcare without cutting employee benefits? - Ralph Weber pulls back the curtain and shares real-life case studies from companies that did exactly that.

Why Collateral Sucks (and Other Truths About Captives) with Phil Holowka, COO of Complete Captive (Ep. 22)
August 18, 2025

Captives are often pitched as the silver bullet for rising healthcare costs, but as Ralph Weber and Phil Holowka reveal, the truth is a lot messier. In this no-fluff episode, Phil, COO of Complete Cap

Biblical Values in Benefits: Faith-Aligned Solutions for Christian Employers (Ep. 21)
August 12, 2025

In this episode of The Benefit Whisperer, Ralph Weber talks with Ericka McPherson, Executive Director of Covenant Choice, a benefits organization designed for Christian employers who want to provide h

Are Captives Too Complex? Phil Holowka Says You’re Asking the WRONG Question
August 04, 2025

Are captives really too complex, or are brokers just afraid youll start asking the right questions? In this new episode of The Benefit Whisperer, host Ralph Weber sits down with Phil Holowka, COO of

The Truth About PBMs and Rising Costs + What You Can Do About It (Ep. 19)
July 29, 2025

Healthcare costs are spiraling out of control, but most employers dont realize they have the power to change the game. - In this episode of The Benefit Whisperer, Ralph Weber explains why CFOs and CE

Dave Chase, Co-Founder of Health Rosetta, Exposes the $5 Trillion Healthcare Scam Employers Are Funding (Ep. 18)
July 22, 2025

Summary - In this conversation, Ralph Weber and Dave Chase, Co-founder and CEO of Health Rosetta, discuss the hidden costs of healthcare and the need for a revolution in health plans. They explore the

$11M on a $996K Bill? Dave Chase of Health Rosetta Unpacks the Hidden Trap (Ep. 17)
July 15, 2025

Most employers have no idea what's really driving their skyrocketing healthcare costs, and its not just medical inflation. Its the contracts they've already signed. In this episode of The Benefit Wh

Are Your MEC & ICHRA Plans ACA-Proof? Don’t Bet $2,900 an Employee (Ep. 16)
July 08, 2025

In this episode, Ralph Weber, known as the Benefit Whisperer, discusses the Affordable Care Act (ACA) and its implications for employers. He explains the responsibilities of applicable large employers

America’s $1 Trillion Healthcare Problem: David Sheinker on How to fix it (Ep. 15)
July 01, 2025

What if the real problem with American healthcare isnt medical but the familiar broken system that keeps your costs rising year after year? In this episode of The Benefit Whisperer, Ralph Weber sits

Why Insurers Profit from Complexity and you Pay the Price with Guest David Scheinker (Ep. 14)
June 24, 2025

Episode 14: Dr. David Scheinker on Why Healthcares Complexity Isnt an Accident This week on The Benefit Whisperer, Ralph Weber is joined by Stanfords Dr. David Scheinker, a leading voice in healt