70% of Brokers & Advisors Say Most Clients Face Double-Digit Renewal Increases

Insights from The Phia Group’s 2026 Broker Survey

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Healthcare and Health Insurance Are Not the Same Thing

May 22, 2026

Healthcare and health insurance are often used interchangeably, but they play very different roles in the cost equation. In his latest article for DC Journal, The Phia Group’s David Ostrowsky explains why this distinction matters, how the cost of care drives the cost of coverage, and why engaged healthcare consumers are essential to meaningful cost containment.