HMO, PPO, POS, EPO, HDHP: An Opinionated Guide
The five plan types explained honestly. What they actually do, who they serve, and why the 'choice' between them is mostly a distraction from the real problem.
The Financial Architecture of Cooperative Insurance: How Structural Incentives Drive Better Outcomes
A detailed breakdown of how cooperative and level-funded insurance models reduce costs through structural efficiency, not goodwill. The math behind why aligned incentives produce measurable savings.
About Groundwork
American healthcare is built to take your money. We decided to step out of that machine.
Why $25 Insulin Costs $400
Three companies control pharmaceutical prices for 80% of Americans. Their incentive is inverted: they profit when you pay more. The government is finally fighting back.
The Two MRIs
The same scan costs $3,000 at a hospital and $500 across the street. Here's how your company ends up paying the difference.
Where Does Your Premium Go? The Hidden Costs of Traditional Insurance
A detailed breakdown of how your health insurance premium gets divided between care, profit, and overhead. Why the math is rigged—and how cooperative plans fix it.
Why Your Employees Skip the Doctor
Your employees have insurance cards but stay home when they get sick. Here's why the system is built to make them choose avoidance.
Danger: How Individuals Opt Out of Health Insurance
You're fed up with insurance nightmares — denied care, months-long waits, vanishing referrals, and sky-high premiums. Here's how people are building alternatives, and what can go wrong if you do it without a plan.