ICHRA

“There's going to be resistance at the large end employers. They have benefit staffs of hundreds of people. This person buys pharmacy, this person by dental, and they just manage the whole process. You don't need all those people when you give the money to the …”

“ICRA is a law that went into effect, ah, four years ago that makes it possible for the first time ever for employers to, instead of choosing all the benefits for their team, just give them tax-free dollars that they can spend the way that they want.”

“And there's only one pocket of growth that is small today, but is seeing triple-digit growth year over year. That could be that next big secular tailwind for the next 10 years.”