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What happens when people simply cannot afford to use the insurance they technically have? Gary Johnson from Curae unpacks the quiet crisis of patient responsibility, rising deductibles, and expiring ACA subsidies. We explore how this crushes families, destabilizes hospital margins, and forces hard choices about who gets care and when, plus how better financial access models can change the trajectory.

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Attorney and Phia Group CEO Adam Russo breaks down what it really takes for self-funded employers to “win” at healthcare.

He explains how to use claims data as a strategic asset, design more innovative benefit plans, avoid stop-loss landmines, and turn employees into engaged healthcare consumers.

Adam also shares practical incentive programs and direct primary care strategies that have delivered free healthcare and 97% retention in his own company.

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Julio Martinez Clark breaks down how Bio Access helps founders protect their burn rate while getting to first in human data faster. He explains why time to site activation matters more than line item budgets, how to think about patient recruitment in emerging markets, and what inexperienced PhD and physician founders usually overlook when they try to manage overseas trials without an expert clinical operations partner.

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