How the System Works
Start with episodes that expose how carriers, hospitals, PBMs, brokers, and vendors shape the rules of the game.
Broken Healthcare Podcast
8 months for a diabetes appointment.
An 8-month wait isn't a delay. It's a system failure.
When a diabetes patient waits eight months for care, the problem is bigger than scheduling. Broken Healthcare exposes the incentives, bottlenecks, and hidden economics that make this feel normal — and shows what can be done about it.
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Why this show exists
This system isn't broken by accident.
Ray Kober makes the case for why healthcare feels impossible to navigate — and why employers, advisors, clinicians, and patients need better information before they can make better decisions.
Start here
Don't wander through the archive. Follow the money.
Curated listening paths help new subscribers understand the system, the incentives, and the practical ways to take control.
Where the Money Goes
Follow the hidden economics: claims, rebates, spreads, contracts, unit costs, and leakage employers rarely see.
How to Fix It
Hear from operators and solution-builders tackling costs, access, transparency, and outcomes without waiting for Washington.
The problem
Healthcare has a math problem — and an incentive problem.
Most buyers are handed renewals, networks, formularies, and explanations that make the system feel too complicated to challenge. That confusion is expensive.
Hidden incentivesContracts and compensation shape what gets recommended.
Confusing costsEmployers and families are often forced to make decisions without real visibility.
Controllable leakageThe first win is usually smaller, faster, and more practical than people think.
Quick hits
Short clips that make the system impossible to ignore.
Each one cuts straight to the incentive, the conflict, or the fix — in under two minutes.
Rate My Benefits
Don't just listen. See what this means for your business.
Run a diagnostic to identify where your health plan may be leaking money and what the first controllable win could be.
- Estimate hidden leakage
- Identify first-dollar opportunities
- Move toward a $0-risk conversation
Follow the show before the next episode drops.
Get the conversations that expose how healthcare really works — and what to do about it.