Joe Grogan sits down with James Gelfand, president and CEO of The ERISA Industry Committee (ERIC), to break down the future of employer-sponsored insurance and the challenges shaping healthcare policy. They discuss how rising healthcare costs affect both employers and employees, the evolution of health savings accounts, and why direct primary care and telehealth represent major shifts in employer benefits.

The conversation highlights the growing crisis in mental health, the impact of hospital consolidation on costs and quality, and the political battles over healthcare reform. Gelfand explains why employer-sponsored insurance remains a critical safety net and what changes are needed to bring more transparency, value, and balance to the healthcare system.