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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In this eye-opening episode of Broken Healthcare, host Ray Kober sits down with Shawn Gremminger, President & CEO of the National Alliance of Healthcare Purchaser Coalitions, to expose why healthcare feels out of control — and what employers can actually do about it.

Shawn brings decades of insider knowledge from Capitol Hill, lobbying firms, and national coalitions to reveal how policy, politics, and industry forces shape the $5 trillion U.S. healthcare system — and why employers have far more power than they realize.

🔎 In this episode:

• The truth about lobbyists, money in politics, and how healthcare laws really get made
• The story behind the No Surprises Act and why it almost didn’t pass
• Why most employers are “self-funded” in name only — and how to fix that
• How the National Alliance influences policy for 90M+ lives
• Why regional coalitions may be the key to reshaping healthcare at scale
• A behind-the-scenes look at working in D.C. — and why compromise still matters

💬 “We can’t keep pretending we have no control. Employers have more leverage than they realize — they just need to organize, get loud, and push back.” – Shawn Gremminger

If you're a CFO, CHRO, benefits leader, or policy junkie, this is a conversation you won’t want to miss.

📺 Watch now and subscribe for more real talk from the front lines of healthcare reform.

#BrokenHealthcare #ShawnGremminger #RayKober #EmployerBenefits #HealthcarePolicy #NationalAlliance #NoSurprisesAct #SelfFundedPlans #HealthcareReform #DCPolitics #HealthcareLeadership #HealthPlanStrategy #CFO #CHRO

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In this powerful episode of Broken Healthcare, host Ray Kober sits down with Jeff Bak, CEO of Imagine360, to dismantle the myths around employer-sponsored healthcare and reveal how reference-based pricing (RBP) is slashing costs, improving care access, and offering a real alternative to bloated PPO plans.

🚨 If you're an employer, broker, CFO, or HR leader sick of runaway healthcare costs — this is the episode you can't afford to miss.

🔍 Topics We Cover:

• How Imagine360 evolved from ELAP Services to a full-scale alternative health plan
• What reference-based pricing really is — and why it’s not “voodoo”
• Real-world strategies to cut 20–30% in healthcare spend
• Insider tactics to negotiate provider rates and eliminate overbilling
• Why traditional PPO plans keep employers trapped — and how to break free
• How employers like hospitals and transportation companies are using RBP to take back control

💡 Whether you're new to self-funding or already exploring innovative solutions, this episode offers hard-won lessons, real data, and a roadmap to building a sustainable, transparent healthcare plan for your organization.

🔗 Subscribe for more bold, no-BS conversations about fixing American healthcare.

#BrokenHealthcare #ReferenceBasedPricing #HealthcareReform #EmployerHealthcare #Imagine360 #JeffBak #RayKober #ELAP #SelfFundedPlans #StopLoss #RBP #HealthPlanStrategy #CFOHealthcare

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What if your city could save millions AND give employees better healthcare?

In this eye-opening episode of Broken Healthcare, host Ray Kober sits down with Jolee Perez, Director of Employee Benefits for the City of McAllen, Texas. She shares how her team broke away from the broken system, embraced Direct Primary Care, and revolutionized healthcare for over 3,000 lives—saving the city $8 million in just two years.

👉 Discover how a dysfunctional system was transformed with common sense, courage, and care.

• The brutal reality of rising healthcare costs
• How Direct Primary Care became a game-changer
• Why most brokers don’t offer real solutions
• The shocking difference in employee satisfaction
• Simple strategies that any employer can adopt
• What the future of healthcare SHOULD look like

💬 “I thought change was impossible…until I saw $8 million in savings.”

Whether you're an HR leader, policymaker, or just fed up with the status quo, this episode will show you what's possible—and what's next.

📌 Subscribe for more conversations that challenge the system and offer real solutions.

#BrokenHealthcare #RayKober #JoleePerez #HealthcareReform #DirectPrimaryCare #HealthBenefits #HRLeadership #HealthcareSavings #McAllenTexas #FixHealthcare #DPC #EmployeeBenefits

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What happens when two badass HR rebels crash the Broken Healthcare podcast? A hilarious, brutally honest takedown of burnout, broken systems, and the BS that’s choking workplace sanity.

Join host Ray Kober as he welcomes Keri Ohlrich, PhD, and Kelly Guenther, co-authors of “Whatever the Hell You Want”, for an unfiltered convo on:

🔥 The real reason HR gets a bad rap (spoiler: it's not just The Office)

📉 How broken benefits and health plans sabotage your people and your bottom line

🧠 Psychology, purpose & giving the middle finger to outdated expectations

💥 What HR and CEOs really need to hear about fixing healthcare—without slashing any tires

Whether you're in HR, leadership, or just hate corporate buzzwords, this episode will have you laughing, thinking, and maybe even plotting your own workplace revolution.

👉 Don’t forget to subscribe, smash that like, and hit the bell icon so you never miss a chance to un-break healthcare!

#BrokenHealthcare #HRLeadership #CultureMatters #BenefitsReform #Healthcare #Leadership #Podcast #PeopleFirst #WhateverTheHellYouWant

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In this eye-opening episode of Broken Healthcare, host Ray Kober sits down with Shay Forbes, Head of Employer Solutions at Turquoise Health, to expose the shocking truth about healthcare pricing.

💥 Shay shares how the same MRI can cost $4,000 at a hospital—or just $450 across the street. Together, they dig into the hidden world of machine-readable files, price transparency laws, and how employers can take control of skyrocketing healthcare costs.

👉 You’ll learn:

- What the Hospital Price Transparency Act means for you

- How “machine-readable files” are changing the game

- Why your surgeon might be in-network—but the facility isn’t

- What employers can do to cut costs and improve care

- How Shay’s personal $27,000 medical bill inspired his mission

💡 Whether you're an HR leader, CFO, healthcare professional, or simply fed up with outrageous medical bills—this episode will give you tools, insight, and hope.

📍 Learn more at: https://turquoise.health

📘 Recommended read: Never Pay the First Bill by Marshall Allen

📲 Follow Shay on LinkedIn: https://www.linkedin.com/in/shay-forbes-a3579ba4/

🎧 Subscribe now and help us fix America's broken healthcare system—one episode at a time.

#BrokenHealthcare #HealthcareTransparency #TurquoiseHealth #ShayForbes #MedicalCosts #PriceTransparency #HealthPlans #RayKober

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