Fully insured plans hide waste in plain sight. Premiums go in, claims come out, and everything in between is locked inside a black box of carrier-controlled opacity. Employers pay more each year without ever truly knowing why — and that’s exactly how the system was designed.
But once you unpack where every dollar actually goes, the picture becomes crystal clear.
You see the hidden margins.
You see the misaligned incentives.
You see why carriers fight so hard to keep the model opaque.
And more importantly, you see how much money employers are leaving on the table.
At ASCEND 2026, we’ll take you inside that black box and show you:
• Where waste hides
• How to identify low-value spend
• What the carrier never explains in renewal meetings
• How to quantify opportunities for immediate savings
• And how to rebuild a plan around transparency, quality, and aligned incentives
This is the moment when advisers stop reacting and start leading. When employers finally understand the system they’re funding. And when real reform begins.
If you want to show clients what’s really happening behind the curtain — and how to take control of it — ASCEND is the place.
Step inside the black box.
Then step out with a plan that actually serves your client.
Join us at ASCEND 2026.
Learn more at AttendAscend.com.