Most CEOs wouldn’t post this publicly, but here we go:
- Our loss ratio in 2025 was 78% (82% over the last 24 months)
- And our renewal increase? 24%
- Of Note: I don’t think our carrier shipped any new features or updates this year
Instead of pretending this makes sense, we’re doing something rational:
ZERO is going self-funded on 1/1/26. We are going to run our health plan like the business it actually is. Instead of renewing we are rebuilding.
And we’re inviting the entire world to watch – Every trend. Every win. Every loss. Every rate projection. Every mistake. Every lesson.
We are going to document all of it in real time here on The Self-Funded CEO — simply because healthcare needs leadership, and transparency.
And honestly? We should be doing this.
Healthcare is one of the largest expense lines in every company. It deserves the same visibility and accountability as revenue, payroll, and any other financial metric you’d never leave on autopilot.
So here we go…
Full transparency. Full accountability. Full receipts.
If you’ve ever wondered what it looks like when a company actively manages its health care business — not just at renewal, but with real-time visibility, real data, and real accountability — you’re about to see it.
Welcome to The Self-Funded CEO.
This is going to be fun. Or painful. Or both.
Either way, we’re going to do it out loud.
