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Benefits leaders talk about “cost” all day. Andrew Fondow argues cost is not the real problem. In this episode, Andrew and Kirk dig into why so many strategies stall, how to slow trend without drowning people in point solutions, and why real change starts with simple data, tight relationships, and helping members get to the right care at the right time. • 00:00 – Cost is not the real problem • 00:16 – Margin of Care intro and Andrew’s background • 01:38 – Takeaways from the Park City event and consultant doubts • 03:13 – Competing consultants, shared crisis, and why cooperation matters • 03:55 – How your lens shapes what you see and how you act • 04:41 – “Cost isn’t the problem” and why problem-framing is broken • 06:30 – Talking ROI, HR bandwidth, and choosing the right clients • 08:15 – Making innovation real with personal stories and trials • 10:24 – Looking to 2027: steering care, local care, and direct-to-pharma • 12:27 – What happens to point solutions in the next 10–15 years • 15:58 – Data overload vs simple, useful signals that trigger action • 20:34 – What top employers do differently and “professional intimacy” • 22:03 – Vulnerability, fit, and how style shapes client success • 22:59 – Closing thoughts and how to keep the benefits engine moving Margin of Care is presented by Garner Health. Learn more at getgarner.com