Healthcare Uncut #9 | Michael Patton CEO Excel Health plans Cut 20% of Costs by Going Direct

Michael Patton, Founder and CEO of Excel Health Plans, breaks down a different way to pay for healthcare.

Instead of layering brokers, PBMs, and traditional carriers, Excel goes direct to providers. The result: lower costs for employers, covered patient cost share, and less financial burden on patients.

We get into:
• How direct-to-provider contracting can reduce employer costs by ~20%
• Why eliminating middlemen changes incentives across the system
• How Excel can cover patient cost share while still saving money
• The real struggles independent physicians face chasing collections
• What makes Excel’s model different from traditional carriers
• Growth strategy and scaling a new health plan model
• Lessons from Michael’s time coaching football at Colorado State
• How his mom’s primary care practice shaped his perspective

We also touch on broader healthcare dynamics including ACA, employer-sponsored insurance, and the role of major payors.

This is a conversation about incentives, alignment, and what happens when you rebuild healthcare from the ground up.

Видео Healthcare Uncut #9 | Michael Patton CEO Excel Health plans Cut 20% of Costs by Going Direct канала Healthcare Uncut