Craig Lack

Craig Lack

Craig Lack is “the most effective consultant you’ve never heard of,” according to Inc. magazine. He is an innovative force as a broker-whisperer in the antiquated health insurance industry.

He consults nationwide with public and private C-suites and independent healthcare broker consultants to eliminate employee out-of-pocket expenses, predictably lower healthcare claims and drive substantial revenue to the bottom line.

His BHAG is to help employees eliminate $1 billion in out-of-pocket expenses.

Lack is a nationally recognized healthcare expert, best-selling author, speaker and CEO of Energi and Premium Reduction Strategies. He is the creator of Performance Based Health Plans, which Inc. magazine said is “the next big thing.” He consults nationwide on establishing spousal incentive HRA/MERPs and negotiates partnerships with fully insured and excess loss carriers to provide extended term guarantees.

He has appeared in national media including Fast Company, USA Today, radio and America’s Premier Experts, which aired nationally on the major network affiliates. He’s a member of the National Academy of Bestselling Authors for achieving No. 1 bestseller status on Amazon.

Lack received an EXPY Award for his work as a speaker on “How to Translate, Interpret and Ethically Exploit the Affordable Care Act (Obamacare).” He is the director of media for OCAHU and sits on the board of the Working Group for Self Funding at NAHU.

Recent Articles by Craig Lack

5 Mistakes CFOs Make on Healthcare

Which sounds worse: getting shortchanged by a cashier at the grocery store or losing your life savings to a Bernie Madoff-type investment?The answer is obvious. Still, it’s a good metaphor for how to manage your healthcare investment and, more importantly, the glaring flaws in how healthcare is administered and delivered. First, some background. The Employee […]

10 Rules for CFOs, From the Fog of War

The fog of war can be an excellent metaphor for the CFO in today’s rapidly changing business environment. Nowhere is change more frantic than trying to manage multiple financial battlefronts: profit margins, SG&A, FP&A, EBITDA and free cash flow. One of the largest battles in business today is the war between organizations and the healthcare […]

To See Healthcare’s Future, Look at Cable

The great unbundling is coming to the cable industry. For decades, the cable providers transformed the television industry, first as a substitute, and then ultimately as the disruptive force behind the demise of free television viewing. Since the 1990s, bundled packages have become the pervasive force in delivering movies, live sports and music. The cable […]

#1 Affliction Costing Businesses Billions

Preserving the status quo (PTSQ) is repeatedly the cause of lost revenue, missed opportunities and even bankruptcies. The pace of innovation and change in business is accelerating at an ever-faster pace. Organizations with good leadership decide to move forward scared, rather than remain frozen with fear. Recently, I had the pleasure of spending the day with Peter Diamandis, […]

10 Reasons Why Healthcare Varies

Imagine your recommended medical treatment came with this warning label: “Your results may vary. Your results are not guaranteed. Outcomes can include preventable complications, up to (and including) hospital-acquired infections, hospital readmission and premature death.” Caveat emptor or, “buyer beware,” has never been truer than in today’s healthcare system. The use of evidence-based medicine) protocols delivers […]

Stepping Over Dollars to Pick Up Pennies

The U.S. Department of Labor (DOL) is determined to establish regulation over excessive loads and charges built into and sometimes hidden inside 401(k) plans. The costs are known as basis points, called “Bps” (Bips) in the industry, and they represent hundredths of a percent. For example, a load of 60 basis points equals 0.6%, and […]

Hide and Seek With Healthcare Profits

Little did I know that the children’s game of Hide and Seek would provide valuable lessons for a life in business. But success requires trying new strategies, moving in different directions and venturing away from the illusion of comfort that home base appears to provide. To win at Hide and Seek, you had to be […]

Healthcare at the Tipping Point

The Affordable Care Act, or the ACA, (aka Obamacare) is a catalyst for accelerating change brought about by the crushing cost of healthcare.  We have reached the tipping point where all the players in a $3 trillion industry are desperate to find new footing, while their usual way of doing business is crumbling underneath them. […]

Physician Shortage Under Obamacare?

The question of whether, under the Affordable Care Act (ACA), there will be a physician shortage is not as simple as everyone would like. The most correct answer is yes — but it depends a great deal on where you live and what kind of care you are trying to access. Based on pre-existing macro […]

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