Hobson Carroll's guest appearances

Hobson Carroll

The ShiftShapers Podcast

Heads Up Adviser

Tom Wheelwright

Jeffrey Gitomer

Jordan Belfort

Neal Schaffer

Mark Fox

Al Lewis

Mark Hunter

Brett Morris

Jess Todtfeld

Derek Winn

Robyn Jacobson

Paul Pruitt

Gary Bender

David Meerman-Scott

John Clay

OwlTail

Hobson Carroll is BACK! to give us insights on changes in the healthcare market.Here's what we cover: What do the future 4-5 years look like, and what is the path that is going to get us there? Reviewing administrative costsStrategies to apply for self-funded plans... and much more.WHAT NEXT? HEALTHCARE BROKERS - Arrange a virtual call with John Sbrocco. Let us help you scale your business https://bit.ly/34YbfAq1. Sign Up For The Expert Session "Achieve Health Consortium"👉 https://bit.ly/34QECUV2. Join Heads Up Adviser Facebook Group 👉 https://bit.ly/37hJFyk3. Visit Heads Up Adviser Website 👉 https://bit.ly/36cYv7C

Hobson Carroll is BACK! to give us insights on changes in the healthcare market. Here's what we cover: <ul><li>What do the future 4-5 years look like, and what is the path that is going to get us there? </li><li>Reviewing administrative costs</li><li>Strategies to apply for self-funded plans</li></ul>... and much more. WHAT NEXT? HEALTHCARE BROKERS - Arrange a virtual call with John Sbrocco. Let us help you scale your business <a href="https://bit.ly/34YbfAq" rel="nofollow" target="_blank">https://bit.ly/34YbfAq</a>1. Sign Up For The Expert Session "Achieve Health Consortium"👉 <a href="https://www.youtube.com/redirect?redir_token=QUFFLUhqbUdXdmRkRFpJUGlSejN4SjJwWHZDSkgtWEs0d3xBQ3Jtc0tsbzF3Qi0wcVFwNHdkNzdVZEtwQ0NuM0hSYVdpY0c5d2haeHZRMXl4bnhULUZiaXBfOUZDNEJwVmhRaThPdWpWeEJMdnBoWGIxM1hPWHZGa2tWYkd5OE9CX1hPOEZvdEZJY05jNlBwRkJfOEVQaUtCSQ%3D%3D&amp;q=https%3A%2F%2Fbit.ly%2F34QECUV&amp;event=video_description&amp;v=pumaXI-EetA" rel="nofollow" target="_blank">https://bit.ly/34QECUV</a>2. Join Heads Up Adviser Facebook Group 👉 <a href="https://www.youtube.com/redirect?redir_token=QUFFLUhqbW5DcVNta0h1VWFBcEdIRllPanVydXJ2ZkJfUXxBQ3Jtc0tsVHJkS29obzl6V2pYblJjQUtoSWJzWksyVUJRWVcyVlEwU3l2cFQ0Yjl2blZ0blh0Ymd6VTkySlFPdmxPSThXX0dzajZJbzFtOVlDMEU2NER4bThnNWRzSmliYUtxbWRRYmJpYWtIYmJnZE9Ka3RiYw%3D%3D&amp;q=https%3A%2F%2Fbit.ly%2F37hJFyk&amp;event=video_description&amp;v=pumaXI-EetA" rel="nofollow" target="_blank">https://bit.ly/37hJFyk</a>3. Visit Heads Up Adviser Website 👉 <a href="https://www.youtube.com/redirect?redir_token=QUFFLUhqa25Ka0J4bzVReS1EMUYybTYtSjVHTGt6THRPQXxBQ3Jtc0trMnF4Ti12UUxWamZqRjhoZWFvSEFUdi1DNk1iN250X0tYSDFBRml0NlkweVB6UUZub1JrV3ZleTVtUjFaT1BwSmVrS3AzVmpWdEJDQ3ZfajRuV3lDMldMNzJvS3pVUTlkNXV5NFVGUGNETUFKTGd6SQ%3D%3D&amp;q=https%3A%2F%2Fbit.ly%2F36cYv7C&amp;event=video_description&amp;v=pumaXI-EetA" rel="nofollow" target="_blank">https://bit.ly/36cYv7C</a>

How Does The Outcome Of The Election Affect Healthcare Moving Forward with Hobson Carroll

In this episode, I and my good friend Hobson Carroll, who is a world-class actuary, talk about specific deductibles. We dig into setting the deductible - what types of deductibles we can utilize to mitigate risks and price them appropriately.As Hobson notes, for a lot of people in today's world, the specific seems to be the most important thing, because everyone realizes that individuals have large claims, and we don't want $2 million claims hitting the budget of the employer self-insured plan.But if you go back to earlier times when claims didn't get so big and stop loss insurance for self-insured plans was just sort of starting out - it existed in one form or another before that, but it was generally had different names. In reality, in the early days, it was referred to as individual excess risk insurance. And of course, the aggregate protection was known as the aggregate excess risk insurance, excess risk being the term used to describe what happens to the claims over a certain amount.Stay tuned as we delve into specifics of the specific deductible.Key Points of Discussion:Everyone realizes that individuals have large claims (1:23)Why employers use risk mitigation tools (3:23)Buying an individual stop loss policy (4:07)Bifurcating claims into two mutually exclusive and complimentary sets (5:04)Of actuarial tables and manuals (7:04)The self-insured plan is this big pot… (10:38)How much to raise the specific deductible to offset the trend increase (18:07)A fully insured product: When they talk about a trend increase… (18:54)It all depends on the sizes of the group, deductible and premium (24:59)The re-insurers know the tricks (28:21)Setting the aggregate attachment point (32:13)Learn more at: http://headsupadviser.com/

In this episode, I and my good friend Hobson Carroll, who is a world-class actuary, talk about specific deductibles. We dig into setting the deductible - what types of deductibles we can utilize to mitigate risks and price them appropriately.As Hobson notes, for a lot of people in today's world, the specific seems to be the most important thing, because everyone realizes that individuals have large claims, and we don't want $2 million claims hitting the budget of the employer self-insured plan.But if you go back to earlier times when claims didn't get so big and stop loss insurance for self-insured plans was just sort of starting out - it existed in one form or another before that, but it was generally had different names. In reality, in the early days, it was referred to as individual excess risk insurance. And of course, the aggregate protection was known as the aggregate excess risk insurance, excess risk being the term used to describe what happens to the claims over a certain amount.Stay tuned as we delve into specifics of the specific deductible.Key Points of Discussion:<ul><li>Everyone realizes that individuals have large claims (1:23)</li><li>Why employers use risk mitigation tools (3:23)</li><li>Buying an individual stop loss policy (4:07)</li><li>Bifurcating claims into two mutually exclusive and complimentary sets (5:04)</li><li>Of actuarial tables and manuals (7:04)</li><li>The self-insured plan is this big pot… (10:38)</li><li>How much to raise the specific deductible to offset the trend increase (18:07)</li><li>A fully insured product: When they talk about a trend increase… (18:54)</li><li>It all depends on the sizes of the group, deductible and premium (24:59)</li><li>The re-insurers know the tricks (28:21)</li><li>Setting the aggregate attachment point (32:13)</li></ul>Learn more at: <a href="http://headsupadviser.com/" rel="nofollow" target="_blank">http://headsupadviser.com/</a>

Let's Get Specific With Hobson Carroll

Ed Jacobson

This one is a live episode at the Ranch with Ed Jacobson and Hobson Carroll. They talk about how health insurance is treated differently as compared to other types of insurance. They also discuss how healthcare insurance has evolved in the US starting from the early 60s.They deal with different factors changing the face of healthcare insurance in the country, starting from the times when immunization drugs started to roll about and they passed Medicare and Medicaid to deal with the elderly and kids from poor families who couldn’t afford healthcare.They underline the fact that emotional and political and religious influences on our system have a bearing on how much we spend on healthcare in this country.And then they talk of the times when suddenly, there was a cash mill going on. Doctors and providers started seeing money coming in for populations that they previously couldn't count on for much money.And it was “Hey, we can charge more money because we can charge the insurance companies!”As the insurers improved the depth and width of their country, of their products, the marketplace adapted to it. The providers adapted to it.Stay tuned to dive deeper.Key Points of Discussion:Health insurance: One wants to pay a dollar in and collect more (0:38)It is expected of health insurance to cover high-cost rare event things (5:32)The early 60s: Start of healthcare insurance as a bigger dollar volume biz (10:37)The medical-industrial complex: We started to have more drugs (12:04)“We can charge more money… we can charge the insurance companies!” (12:55)Insurance companies setting those guidelines around rebates and things (24:35)All these so-called single-payer countries… (29:52)Failing by making patients not feel responsibility for anything they spend (33:48)Getting buyers to want the better benefits that most won't need or use (35:39)Starting in the mid-70s, general inflation and medical inflation were rising (37:55)Today, there are massive administrative costs (38:35)How’d an insurer compete in a market where everything is the same? (39:32)Going to the network doctor because it will cost you less… (42:21)The role of the advocacy and the administrative service (47:43)

This one is a live episode at the Ranch with Ed Jacobson and Hobson Carroll. They talk about how health insurance is treated differently as compared to other types of insurance. They also discuss how healthcare insurance has evolved in the US starting from the early 60s.They deal with different factors changing the face of healthcare insurance in the country, starting from the times when immunization drugs started to roll about and they passed Medicare and Medicaid to deal with the elderly and kids from poor families who couldn’t afford healthcare.They underline the fact that emotional and political and religious influences on our system have a bearing on how much we spend on healthcare in this country.And then they talk of the times when suddenly, there was a cash mill going on. Doctors and providers started seeing money coming in for populations that they previously couldn't count on for much money.And it was “Hey, we can charge more money because we can charge the insurance companies!”As the insurers improved the depth and width of their country, of their products, the marketplace adapted to it. The providers adapted to it.Stay tuned to dive deeper.Key Points of Discussion:<ul><li>Health insurance: One wants to pay a dollar in and collect more (0:38)</li><li>It is expected of health insurance to cover high-cost rare event things (5:32)</li><li>The early 60s: Start of healthcare insurance as a bigger dollar volume biz (10:37)</li><li>The medical-industrial complex: We started to have more drugs (12:04)</li><li>“We can charge more money… we can charge the insurance companies!” (12:55)</li><li>Insurance companies setting those guidelines around rebates and things (24:35)</li><li>All these so-called single-payer countries… (29:52)</li><li>Failing by making patients not feel responsibility for anything they spend (33:48)</li><li>Getting buyers to want the better benefits that most won't need or use (35:39)</li><li>Starting in the mid-70s, general inflation and medical inflation were rising (37:55)</li><li>Today, there are massive administrative costs (38:35)</li><li>How’d an insurer compete in a market where everything is the same? (39:32)</li><li>Going to the network doctor because it will cost you less… (42:21)</li><li>The role of the advocacy and the administrative service (47:43)</li></ul>

The Ranch With Ed Jacobson & Hobson Carroll