Chelsea Ryckis is the award-winning founder and president of Ethos Benefits, a firm dedicated to advancing fiduciary-driven health insurance strategies for employers nationwide to eliminate fraud, waste, and abuse from employer healthcare plans while increasing savings for both employers and their employees. After suffering a traumatic brain injury as a Division 1 college athlete, Canadian-born Chelsea experienced the US healthcare system firsthand, inspiring her pioneering entrepreneurship in healthcare. Chelsea was awarded the industry's most prestigious award, Advisor of the Year, by Benefits Pro in 2024. She has also been named the Most Innovative Healthcare Consultant in the United States for 2024. Chelsea is the co-host of the Ethos Effect Podcast with her husband Donovan and producer of the documentary "It's Not Personal, It's Just Healthcare."
🔑Key Takeaways🔑
💰 📈 Misaligned Incentives Are Driving Up Costs: Traditional brokers work on commission, meaning they earn more when your company pays more. Always ask your vendors, brokers, and consultants, "How are you paid? What incentives shape your advice?"
💡🛑 Transparency Is Possible—But Not From the Big Players: Most major carriers bundle all aspects of the health plan in a "closed box," preventing employers from seeing claim-level data or understanding actual costs. By unbundling and using fee-based advisors, employers can regain control and thoroughly understand where their dollars are going.
🚀 🤝 Employers Have More Power Than They Think: 60-65% of Americans get insurance through work, yet most companies don't realize they can drive change. Simple steps like questioning your broker's incentives and exploring open-box plan options can lead to substantial savings and better employee care.
✨🛠️Smaller groups can save, too: Even with as few as 10 employees, innovative options exist—Chelsea shared a client success who saved $110,000 with just 22 workers.
🎙️Subscribe to Wings and get the full Show Notes at https://bit.ly/Wings953
More about Chelsea at Ethos Benefits
Popular Podcasts
On Purpose with Jay Shetty
I’m Jay Shetty host of On Purpose the worlds #1 Mental Health podcast and I’m so grateful you found us. I started this podcast 5 years ago to invite you into conversations and workshops that are designed to help make you happier, healthier and more healed. I believe that when you (yes you) feel seen, heard and understood you’re able to deal with relationship struggles, work challenges and life’s ups and downs with more ease and grace. I interview experts, celebrities, thought leaders and athletes so that we can grow our mindset, build better habits and uncover a side of them we’ve never seen before. New episodes every Monday and Friday. Your support means the world to me and I don’t take it for granted — click the follow button and leave a review to help us spread the love with On Purpose. I can’t wait for you to listen to your first or 500th episode!
Ruthie's Table 4
For more than 30 years The River Cafe in London, has been the home-from-home of artists, architects, designers, actors, collectors, writers, activists, and politicians. Michael Caine, Glenn Close, JJ Abrams, Steve McQueen, Victoria and David Beckham, and Lily Allen, are just some of the people who love to call The River Cafe home. On River Cafe Table 4, Rogers sits down with her customers—who have become friends—to talk about food memories. Table 4 explores how food impacts every aspect of our lives. “Foods is politics, food is cultural, food is how you express love, food is about your heritage, it defines who you and who you want to be,” says Rogers. Each week, Rogers invites her guest to reminisce about family suppers and first dates, what they cook, how they eat when performing, the restaurants they choose, and what food they seek when they need comfort. And to punctuate each episode of Table 4, guests such as Ralph Fiennes, Emily Blunt, and Alfonso Cuarón, read their favourite recipe from one of the best-selling River Cafe cookbooks. Table 4 itself, is situated near The River Cafe’s open kitchen, close to the bright pink wood-fired oven and next to the glossy yellow pass, where Ruthie oversees the restaurant. You are invited to take a seat at this intimate table and join the conversation. For more information, recipes, and ingredients, go to https://shoptherivercafe.co.uk/ Web: https://rivercafe.co.uk/ Instagram: www.instagram.com/therivercafelondon/ Facebook: https://en-gb.facebook.com/therivercafelondon/ For more podcasts from iHeartRadio, visit the iheartradio app, apple podcasts, or wherever you listen to your favorite shows. Learn more about your ad-choices at https://www.iheartpodcastnetwork.com
The Joe Rogan Experience
The official podcast of comedian Joe Rogan.