In this episode of The Inside BS Show, Dave Lorenzo and Nicola “Nicki G” Gelormino pull back the curtain on the broken employer healthcare system with guest Donovan Ryckis, founder and CEO of Ethos Benefits. Donovan reveals how misaligned incentives, opaque pricing, and lazy brokers have cost American businesses billions—and how smart CEOs can fight back.

Key Topics Discussed:

• How the healthcare system is rigged against employers—and what you can do about it.
• The difference between a broker and a fiduciary—and why it matters more than you think.
• Why most companies are overpaying by 30–40% for employee health plans.
• How cash-pay and international mail-order pharmacy programs can slash drug costs.
• What every CEO should know about PBMs (pharmacy benefit managers) and stop-loss insurance.
• Why “self-funded” plans can outperform traditional coverage when managed properly.
• Three compliance steps every business owner must know under the Consolidated Appropriations Act.
• The coming wave of lawsuits against companies that fail to manage healthcare fiduciary responsibilities.

Links and Resources:

• Watch Donovan’s documentary: It’s Not Personal, It’s Just Healthcare – EthosBenefits.com

• Connect with Donovan on LinkedIn: Donovan Ryckis

• Buy The 60 Second Sale book: Amazon Link

• Subscribe via Email: GetInsideBS.com

• Listen on Spotify: Inside BS Show on Spotify
• Listen on Apple Podcasts: Inside BS Show on Apple Podcasts
• Call Us: (305) 692-5531

Call to Action:
If you’re a business owner, CEO, or advisor who’s tired of paying more for less when it comes to healthcare, this episode is your wake-up call. Learn how to take control of your benefits strategy, cut costs, and protect your team the right way.