Open enrollment loses employees at the 200-page SPD. Benefits veteran Brandan Bruce shares how Help Me Choose Benefits gives employees simple, personalized guidance on what to enroll in and what to skip, and employers can launch it in days.

In This Episode

• Brandan's path from benefits admin and enrollment tech to Voya and Prudential
• A no-login, no-app tool that recommends products based on family, finances, and health
• Engagement tips: QR codes in enrollment materials plus multiple entry points
• Right-sized advice, so employees see goals they can actually reach
• AI that explains the "why" and translates into other languages

Key Insights

• Education without guidance leaves employees guessing
• Less friction (no login, no app) means more usage
• Recommendations must feel achievable, or all advice gets ignored
• Plain-language explanations of products like hospital indemnity drive better decisions

Who It's For: Employers, HR leaders, and brokers heading into open enrollment.

About Brandan Bruce:

Brandan Bruce is a lifelong employee benefits and insurtech entrepreneur with more than 25 years of experience across nearly every side of the group insurance industry. His career includes more than a decade in benefit administration and outsourcing with Mercer and Businessolver, followed by leadership roles on the carrier side with Voya and Prudential.
Brandan has founded and led three insurtech companies—Advice2Pay, T2B Solutions, Inc., and Help Me Choose Benefits (HMCB)—focused on solving complex industry challenges through technology. Today, he leads HMCB, an AI-powered benefits guidance platform that simplifies benefits and helps employees understand why—or why not—a benefit makes sense for them.
Outside of work, Brandan enjoys spending time at the Lake of the Ozarks with his wife Pamela, their family and grandkids, friends, and dogs. He is also an accomplished woodworker whose creations can be found in all 50 states.

Resources:

Connect with Brandan Bruce via LinkedIn: https://www.linkedin.com/in/brandan-bruce-73211a6/

Email: brandan@helpmechoosebenefits.com

Questions, topic ideas, or guest suggestions? Reach out: hello@alignco.life

Direct contracting stalls when nobody can move the money. Cory Morin explains how BenjiCard's pre-funded virtual cards pay providers at point of service, save plans money, and cut member costs.

In This Episode:

• Cory's path from insurance sales to fintech
• BenjiCard: pre-funded virtual Visa cards for TPAs, health plans, cost containment partners
• Virtual-only cards via Apple Pay/Google Pay; no physical cards
• Guardrails: U.S.-only, healthcare merchant codes, spending caps, provider locking
• Tier-zero/tier-one use case: waived member cost for pre-negotiated providers
• Next up: combining member cost-share and plan payment into one transaction
• Mostly TPA/health plan distribution, some direct-to-employer

Key Insights:

• Payment mechanics, not the contract, are the real bottleneck
• Prompt payment aligns providers, plans, and members
• Guardrails (not trust) make member-held plan dollars safe
• HSA/HDHP rules mean member cost-share isn't going away — one combined payment is next
• Fewer layers (direct-to-employer) beats the standard TPA chain

Who It's For: Brokers/consultants on direct contracting; HR/CFOs funding cost containment; TPAs, health plans, and cost containment companies.

About Cory Morin:

Cory Morin is the CEO and Founder of Benji Card, a healthcare payments platform built to make paying for care as simple as it should be. Based in Saratoga Springs, Utah, Cory started Benji Card to create alignment among the stakeholders in the healthcare transaction through the use of pre-funded virtual payment cards.

Before founding Benji Card, Cory spent years as a licensed insurance advisor, selling property & casualty insurance, small group health plans, and payroll services. That hands-on experience gave him a front-row seat to how businesses actually manage risk, benefits, and cash flow.

Cory holds a bachelor's degree in Entrepreneurship from Brigham Young University and a Master's in Business Creation from the University of Utah, pairing formal training in building companies with real-world sales and advisory experience. Today, he leads Benji Card's mission to give health shares, TPAs, health plans, cost containment solutions, and other healthcare organizations more control, transparency, and simplicity over every healthcare dollar spent one payment at a time.

Resources:

Connect with Cory via LinkedIn: https://www.linkedin.com/in/corymorin/

Email: cory@benjicard.com

Questions, topic ideas, or guest suggestions? Reach out: hello@alignco.life

Dr. Andrew White talks with Trey Hinson, a 26-year self-funded insurance veteran, about why stop loss carriers and DPCs (direct primary care) keep talking past each other — even though their interests are actually aligned. The takeaway: the disconnect isn't a data problem, it's an engagement problem.

In This Episode

Trey's path from Blue Cross Blue Shield to advising 91 TPAs and 150+ point solutions. Why stop loss carriers ask for detailed data — and why it's about shared risk, not distrust. The two metrics that actually matter to a stop loss carrier: engagement and medical trend. How to approach stop loss the right way, through the broker, TPA, and carrier.

Key Insights

Employers and stop loss carriers are the two parties with real financial risk in a self-funded plan, which is why data-sharing matters so much to carriers. Point solutions need engagement on two fronts: with their own patient population, and with their TPA/stop loss partners. Stop loss carriers care most about engagement rates and multi-year medical trend, not feature lists. TPAs act as the aggregation layer that turns fragmented vendor data into something a stop loss carrier can use.

Who This Episode Is For

DPC providers and point-solution operators, brokers and TPAs, and employers running or considering self-funded health plans.

About Trey Hinson:

Trey Hinson is the founder of Goliath Sales Strategies, LLC, and a 25-year veteran of the health insurance industry. He has built and led revenue teams across fully insured, government program, and self-funded markets, advising payers, TPAs, brokers, and benefits technology vendors. A PAHM-certified executive, Trey speaks candidly about what it takes to grow sales teams CEOs trust, build pipelines that don't lie, and become the name buyers remember in a crowded healthcare benefits market.

Resources & Links

Goliath Sales Strategies: https://www.goliathsalesstrategies.com/

LinkedIn: Connect with Trey Hinson: https://www.linkedin.com/in/treyhinson/

Questions, topic ideas, or guest suggestions? Reach out: hello@alignco.life