Insights from Hettesheimer

Employer Healthcare Resources Written for the CFO's View of the Problem

Every guide, whitepaper, and article in this library is built for plan sponsors who want to understand the mechanics of employer healthcare spend before having a conversation with anyone.

Whitepapers and Guides

Controlled Healthcare Governance

The executive overview of the Advanced Benefit Design framework — the Fully Insured Illusion™, the Fiduciary Risk Scoring Model™, and the complete funding model comparison in a format built for board distribution. Start here.

A CFO Framework for Cost Reduction

What a 20–30% reduction in employer healthcare spend looks like in practice — renewal stability, workforce advantage, and the governance levers available to a fiduciary-standard plan sponsor. Built for CFOs who want an executive summary before a strategy session.

A Plan Sponsor's Guide to Price Transparency

Five pricing models — hospital retail, out-of-network penalties, PPO discounting, reference-based pricing, and Medicare rates — benchmarked against each other. Commercial claims are typically paid at 150–400% of Medicare. This guide shows where your plan sits.

From the Blog