In this episode of Talk HR, hosts Harrison Newman and Sam DiMercurio sit down with Peter Doran, SVP at Pareto Health, to explore how group captives and self-funding models are reshaping the future of employer healthcare. Peter breaks down why the standard fully insured model no longer works, how data transparency empowers smarter decision-making, and why more companies are shifting to self-funding to save costs and improve employee experience. Plus, the team chats with Claudia O’Leary from Beyond Med, who shares how employers can expand their benefits offerings — including access to services like fertility treatments, mental health counseling, and even massages — without increasing costs.