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

The barometer for good health insurance = “Well at least it doesn’t suck.” 🤬

29 Jan 2025 · 1 min

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A short segment from a YouTube video by Andy Neary arguing that the primary metric ("barometer") for employee health insurance is user experience — specifically that it "doesn't suck." The speaker stresses that employees often distrust brokers/insurers because of a lack of clear communication about financial constraints (e.g., large claims vs. premiums). They emphasize the insurer's role is not clinical care but financial stewardship: enable necessary treatment while being transparent about economics and uncomfortable conversations.

Chapters

So the barometer of the most expensive thing you spend on in a given year, more than likely, it's definitely the biggest thing coming out of your paycheck. Your barometer for that is it doesn't suck. So just let that sink in for a second. So that user experience, that employee experience, that patient experience is so critical. And guess what? We were talking about the broker trusting. The employee doesn't trust either because they've been taught not to. It's not that their employee is evil. It's not that the insurance company is evil. It's no one stopped to spend the time to talk to you and say, look, if you have a million dollar claim and we're charging you $500,000, that doesn't work. The economics don't work. We need to be clear about that. Our jobs in insurance are not healers, we're not clinicians. We should not be making any decision on anybody's treatment. That's not our job. Our job is to figure out a way to get that person the treatment that they need while also respecting the financial dynamics and being clear and comfortable. Talking about the uncomfortable.