Episode 109: The financial underbelly of employer-sponsored health insurance with Vincent Esposito from Endeavor Plus
October 06, 201628:04

Episode 109: The financial underbelly of employer-sponsored health insurance with Vincent Esposito from Endeavor Plus

Vincent Esposito, COO

Vincent (‘Vinny’) Esposito joined Endeavor Plus, Inc. as Chief Operating Officer in 2014 after a decade of diversified experience working as a financial investment analyst.

Prior to joining Endeavor Plus, Vinny was a Senior Analyst with Wexford Capital of Greenwich, CT. The firm managed $6 billion in assets, invested globally and approached the market through a thematic lens. Wexford coupled this perspective with fundamental analysis to identify trends across sectors, and invested in best-of-breed names by triangulating information through multiple avenues to develop unique opportunities in the public market based on proprietary work.

Vinny also spent time as a Senior Analyst with another Greenwich firm, Verition Fund, doing deep fundamental analysis prior to the making of investment decisions.

Prior to joining Verition Fund, Vinny served as a Research Associate for the New York-based firms of Canaccord Genuity Research and SES Partners (formerly Circle-T Partners).

Vinny also performed as CEO of Consumer Reconnaissance, Inc. of Long Island, NY, where he founded and oversaw a market research firm that catered to institutional investors, thereby helping fund managers with building out and supporting their investment theses across the consumer sector.

After completing the Presidential Scholar program at Siena College of Loudonville, New York, Vinny graduated with a Bachelor of Science Degree in Finance.

Those interested in learning more about Vinny and Endeavor Plus can contact him by visiting www.endeavorplus.com, emailing info@endeavorplus.com, or calling 1-844-EHP-WELL.


00:00 The problems employers with 10-500 employees have in getting Insurance.
02:00 Increasing Insurance Premiums.
03:20 How limiting profits has actually raised the price of Insurance.
05:50 How the Standard Model of Healthcare Insurance makes it difficult for Employers to save.
06:25 The advantages of being Self-Funded.
07:50 “15% of the Market today is partially Self-Funded.”
08:45 Administrative Burden and Financial Liability with being Self-Funded.
09:30 Why Reinsurance Businesses are interested in small and medium-sized Employers.
10:35 Defining Reinsurance.
10:50 “Insurance on the Insurance.”
11:45 TPA: Third Party Administrators and Employer Insurance.
12:50 What Endeavor Plus is.
14:15 How outsourcing technology has given Endeavor Plus a competitive edge in pricing.
15:00 Endeavor Plus’s Plan Design.
15:30 Massive Co-Insurance vs. No Co-Insurance.
16:00 Driving Consumerism in the Healthcare Insurance market.
16:30 How Endeavor Plus is cutting out the middleman.
17:25 Where the Cost-Savings is.
19:20 How rising Drug Costs play into the Healthcare Insurance landscape.
20:30 Endeavor Plus’s Business Division and Financial Services Division.
21:45 How Healthcare is affected by Financial Markets.
22:30 Becoming the New Payer in the Healthcare Market.
22:50 “We believe we can change the way Healthcare is consumed, and the cost of it.”
23:15 Lowering Healthcare costs over time.
24:20 Why so many Hospital goes out of business, and why so many Doctors get bought out by Hospital Systems.
25:00 Understanding the Reimbursement Problem and addressing it.
26:00 Making Endeavor Plus visible to those who need to see it.
27:50 Proactively reaching out to clients and doctors.
29:15 You can find out more at EndeavorPlus.com, by emailing info@endeavorplus.com, or calling 1-844-EHP-WELL.

healthcare,health,insurance,marketing,heathcare,endeavor plus,
|

Episode Support Provided By

Special Thanks to Our 2026 Sustaining Monthly Donors

Kimberly Carleson, Dylan Yahn, Benjamin Light, Matt McQuideAnn Kempski, Spencer Allen, Scott TromanhauserMarilyn Bartlett, 
Steven Elkins, Matthew Bunte, and Lori Smith.

Recent Episodes

EP517: The Business of Prior Auths: The 401-Level Financial Motive Behind Prior Auths
Relentless Health ValueJune 24, 2026
517
27:2325.07 MB

EP517: The Business of Prior Auths: The 401-Level Financial Motive Behind Prior Auths

Listen on Your Favorite App Hello, Relentless Health Value Tribe. Welcome to it. So, yeah … last week, I had a great conversation with Ophelia Johnson ( EP516 ) that is a companion show, I would say, to this one. So, listen to that one first. Listen to this one first. You do you. For a full transcri...

EP516: GLP-1s and Cash Pay From the Pharma Manufacturer Point of View, With Ophelia Johnson
Relentless Health ValueJune 17, 202644:0540.35 MB

EP516: GLP-1s and Cash Pay From the Pharma Manufacturer Point of View, With Ophelia Johnson

Listen on Your Favorite App Hello, all you Relentless Tribe members. Welcome to it. Today we have a show that will bend your mind in new directions. And yes, I have a head cold at a very weird time of year. I have trouble apparently doing things like normal people. Anyway, we talk a lot on this podc...

EP515: SNF (Skilled Nursing Facility) Fraud—Or Is It Fraud? With Michelle Cera, PhD
Relentless Health ValueJune 10, 202643:0739.47 MB

EP515: SNF (Skilled Nursing Facility) Fraud—Or Is It Fraud? With Michelle Cera, PhD

Listen on Your Favorite App Hello, all you Relentless Tribe members. Lately, I have been just obsessed with what's hiding in plain sight: the root cause glitches in how American healthcare is built. Not the symptoms now. Not the noise. The actual ground zero. I mean, what we call healthcare in this ...

EP514: Successfully Suing a Health System for Their Anticompetitive Contracts and Also Collecting Damages for Plan Sponsors and Members, With Matt Cantor
Relentless Health ValueJune 03, 2026
514
43:4340.02 MB

EP514: Successfully Suing a Health System for Their Anticompetitive Contracts and Also Collecting Damages for Plan Sponsors and Members, With Matt Cantor

Listen on Your Favorite App Hello, all you Relentless Tribe members. This is the third episode in our legal goings-on trifecta, starting with Doug Aldeen in episode 512 covering what amounts to the main reasons plan sponsors wind up suing their brokers or employee benefit consultants. For a full tra...

EP513: Revisiting Cunning Anticompetitive Hospital Contracts, With Brennan Bilberry

EP513: Revisiting Cunning Anticompetitive Hospital Contracts, With Brennan Bilberry

Listen on Your Favorite App If you are a large employer, union funds broker, fiduciary, or anyone responsible for a health plan that spends half of its dollars on hospital care (which most do), or if you have anything to do with policy or enforcement of policy, yeah … listen this week and next week....

EP512: 3 Kinds of Broker/EBC Rent-Seeking Payment Models—A Lawyer’s Perspective, With Doug Aldeen

EP512: 3 Kinds of Broker/EBC Rent-Seeking Payment Models—A Lawyer’s Perspective, With Doug Aldeen

Listen on Your Favorite App I wanted to talk to a lawyer ’cause, yeah, lawyers are the ones that see stuff that falls the whole way down to the level of legal action. But I wanted to find out what are the main categories of things that wind up in legal land when it comes to broker or EBC (employee b...

EP511: The Tension When Clinical Teams Take On Risk for Policymakers and Others Looking to Rustle Up Future Perverse Incentives, With Dr. Siva and Monica Lypson, MD, MHPE
Relentless Health ValueMay 14, 2026
511
29:3727.1 MB

EP511: The Tension When Clinical Teams Take On Risk for Policymakers and Others Looking to Rustle Up Future Perverse Incentives, With Dr. Siva and Monica Lypson, MD, MHPE

Listen on Your Favorite App Last week, we talked Medicare Advantage with Betsy Seals ( EP510 ), and we talked about finding members who a plan can serve well. This makes sense because Medicare Advantage is a capitated program. In other words, Medicare Advantage plans get paid by CMS a per member per...

Listen and Follow

Sponsored by Aventria Health Group
©2026 BD Bridges LLC. All Rights Reserved.