In this special episode of the Broken Healthcare Podcast, filmed live at ASCEND 2025 in Salt Lake City, host Ray Kober sits down with David Kinsey, Vice President of Partnerships & Sales for TempoPay and PayMedix, to discuss how his companies are helping employers and employees take control of rising healthcare costs.

David shares powerful insights into the financial struggles employees face today:

“60% of the U.S. population can’t afford a $1,000 out-of-pocket medical expense.”

With TempoPay, employers can offer their workforce interest-free credit lines (from $500 to $5,000) for medical expenses, prescriptions, dental, vision, and even veterinary care—with no credit checks required.

“We’re leveling the playing field. Even people with a credit score below 350 can now access the care they need—without resorting to high-interest credit cards.”

Meanwhile, PayMedix ensures providers are guaranteed payment for patient responsibility, improving access to care while reducing bad debt. Employers benefit from lower turnover, improved presenteeism, and reduced healthcare trend—running 2% below market average.

David also explains why this matters for every employer, not just those with lower-wage workforces:

“Even higher-paid populations often struggle with high deductibles and HSAs. We give them a budgetable way to pay for care, while preserving their savings.”

Key takeaways from this episode:

✅ Employers can save money while supporting employee health

✅ Employees avoid financial stress and delayed care

✅ Providers reduce uncompensated care and secure payments

✅ Everyone wins with a more sustainable, affordable healthcare model

🔗 Learn more & connect with David Kinsey:

🌐 https://www.tempopay.com

💼 LinkedIn: https://www.linkedin.com/in/david-kinsey-cltnc/

If you’re an employer, advisor, or healthcare leader, this conversation is a must-watch. Discover how TempoPay and PayMedix are transforming the future of healthcare affordability.

👉 Don’t forget to like, subscribe, and share the Broken Healthcare Podcast for more strategies to cut costs and fix healthcare.

#HealthcareCosts #EmployerBenefits #TempoPay #PayMedix #HealthcareSavings #BrokenHealthcarePodcast

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🔥 Live from Ascend 2025 in Salt Lake City! Host Ray Kober sits down with Trace Voshell of GoGoMeds for a powerful conversation on fitness, discipline, pharmacy disruption, and why fixing healthcare starts with doing the uncomfortable work — in and out of the gym.

Trace brings his background in college baseball, CrossFit, bowhunting, and pharmaceutical sales to shed light on how GoGoMeds is shaking up the industry with affordable generics, white-labeled pharmacy solutions for DPC clinics, and no-nonsense pricing for employers.

🎙 In this episode:

• Why your primary care doctor might be your best pharmacy partner
• The power of CrossFit mentality in life and business
• How self-funded employers can save thousands without PMPM gimmicks
• The growing DPC movement — and what it means for real healthcare reform
• A few laughs, lessons in grit, and... Trace’s sweet tooth 🧁

This isn’t just another pharmacy sales pitch — it’s a conversation about leadership, lifestyle, and building a healthcare model that actually works for people.

📦 Want to save on prescriptions or empower your employees with smarter benefits? Learn more at: https://www.gogomeds.com

🔗 Connect with Trace Voshell on LinkedIn: https://www.linkedin.com/in/trace-voshell

🎧 Subscribe to The Broken Healthcare Podcast: https://www.youtube.com/@BrokenHealthcarePodcast

👇 If this episode made you think — or made you laugh — drop a like, comment, and share. Let’s fix what’s broken.

#BrokenHealthcare #HealthcareReform #DPC #PBMTransparency #GenericMeds #GoGoMeds #Ascend2025 #RayKober #TraceVoshell #CrossFitMindset #Podcast #HealthTech #DirectPrimaryCare #EmployerBenefits

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Is your company overpaying for healthcare? Discover how captive insurance is changing the game for employers in this episode of Broken Healthcare.

Host Ray Kober sits down with Phil Holowka, founder of Complete Captive and MedTrans Ltd., and Rob Zwirn, CFO of Action Ambulance, to unpack the truth about employer healthcare spend—and how to take back control.

💥 Key Takeaways:

• What exactly is a captive insurance model—and how it works
• How employers can turn a healthcare expense into a strategic asset
• Why captive insurance isn’t for everyone (and who it is for)
• Real-world savings: How Rob’s company cut costs by nearly 50%
• Why having access to claims data is a total game-changer
• How employers can maintain national carrier networks (like Cigna) without being stuck in the BUCA system
• The compliance wake-up call: CAA & fiduciary duty in healthcare
• Common misconceptions about self-funding and PHI access
• And how employers can start evaluating whether captive is right for them

💼 Whether you're a CFO, HR leader, benefits consultant, or just fed up with the status quo in employer healthcare—this episode is a must-watch.

📩 Want to connect with Phil or Rob?

Visit:

🔗 https://completecaptive.com

🔗 https://medtransltd.com

🔗 https://actionems.com

👍 Like, comment, and subscribe to join the conversation and help fix our broken healthcare system.

🔔 Don’t forget to hit the bell so you never miss a new episode!

#CaptiveInsurance #HealthcareSavings #EmployerBenefits #BrokenHealthcare #StopLoss #SelfFunding #InsuranceInnovation #RayKober #PhilHolowka #RobZwirn #CompleteCaptive #MedTrans #HealthcareReform

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