Ken and Robin sit down with industry veteran Mike Hoffman and operations lead Sydney Bogart to unpack how Arizona Benefit Plans bridges the gap between brokers, carriers, and clients. From creative stop-loss strategies to the Costco Health Insurance Marketplace, this episode explores how collaboration, risk management, and decades of experience have shaped innovative small- and large-group products. Learn how CBC and ABP built a marketplace model that saves employers up to 55% compared to ACA rates and delivers ongoing value through data-driven design and low renewal trends.