Matthew Naylor interviews Joe Hessling, CFO of Parcels, about his career in finance and the challenges of managing healthcare costs for a growing, people-focused business. Joe shares how years in the fully insured market led to frustration with rising costs, lack of transparency, and limited control over decision-making.

He explains how transitioning to a level-funded model and eventually into a captive provided greater visibility, predictability, and access to data, allowing Parcels to better manage risk and support employees. For the first time in years, the company was able to maintain stable costs without shifting the burden to employees.

Joe emphasizes that the biggest impact has been improved transparency, stronger partnerships, and a more proactive approach to healthcare management, giving him confidence in long-term planning and a better overall experience for both the company and its employees.