Matt is joined by Ryan Allison, who shares his journey from selling cars to building a career in the insurance industry with All Atlantic Benefits. Drawing on his background as a competitive athlete, he explains how that mindset shaped his approach to helping employers navigate healthcare costs. He breaks down why access to claims data is critical for making proactive decisions, especially for small employers stuck in fully insured plans with little transparency. Ryan highlights how shifting to level-funded and self-funded models, along with strategies like pharmacy cost containment and reference-based pricing, can reduce costs and improve outcomes, while emphasizing the value of strong partnerships and aligned incentives in a complex healthcare market.