Andy NearyI help insurance professionals turn brand awareness into business growth.

How to explain health insurance in a way a business executive understands…

14 Aug 2026 · 1 min

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Andy Neary breaks down U.S. health-plan costs into four buckets: hospital services, outpatient care, pharmacy, and primary care. The real problem isn't just spending, but figuring out which procedures are actually necessary and making sure patients get them at the cheapest place possible.

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I remember when I used to deliver presentations to employers, I'd talk about the healthcare supply chain, right? And it typically has 4 primary components, which is hospital costs, outpatient or MSK-type claims, pharmacy, and then what we would call everyday primary care. And it is one of the 4 major cost drivers inside a health plan right now. And I think what a lot of people are ignoring is the fact that it's not— there's a 2-pronged problem to it. Number one, is the procedure that you might be having necessary in the first place? It is, are you identifying the right place to get it at a very reasonable price?