Editorial Independence & Disclosure Policy

HealthReformGuy.com is published by Corry Hull, REBC® CSFS®, a certified employee benefits consultant and Health Rosetta Advisor. The site provides analysis, tools, resources, and commentary on employer-sponsored health plans, pharmacy benefits management, ACA and ERISA compliance, and related topics.

Corry Hull provides consulting and brokerage services through BHC Insurance, an independent insurance agency. BHC Insurance has relationships with carriers, third-party administrators, and other vendors in the employee benefits market. These relationships are disclosed to clients as required by applicable law and professional standards.

HealthReformGuy.com is the editorial and educational platform associated with this practice. The site's content reflects Corry Hull's professional analysis and is not produced on behalf of any carrier, vendor, or industry organization.

HealthReformGuy.com does not accept paid vendor sponsorships for editorial coverage. Vendors, carriers, TPAs, PBMs, and other industry participants cannot pay to have their products or services featured, reviewed, or recommended on this site.

Topics, tools, and resources are selected based on their relevance and usefulness to employers — not based on vendor relationships or commercial considerations. When specific vendors, products, or platforms are mentioned, it is because they are relevant to the topic being discussed, not because of any commercial arrangement.

If this policy changes in the future — for example, if sponsored content is introduced — it will be clearly labeled as such.

Corry Hull and BHC Insurance may receive compensation in connection with consulting and brokerage services, including:

• Commissions from carriers and vendors for placed coverage
• Consulting fees paid directly by employer clients
• Override or bonus compensation from carriers based on production volume
• Referral fees or revenue-sharing arrangements with service providers

All compensation is disclosed to clients as required by applicable law and professional standards, including the Consolidated Appropriations Act (CAA) broker compensation disclosure requirements. Clients may request a complete compensation disclosure at any time.

The existence of these compensation arrangements does not influence the editorial content published on HealthReformGuy.com.

Employers who submit benchmarking requests or complete the intake questionnaire should be aware of the following:

• Benchmarking data is used solely to prepare the requested analysis for the submitting employer.
• Data is not sold, licensed, or shared with carriers, vendors, or third parties for marketing purposes.
• Benchmarking data may be reviewed by Corry Hull and staff at BHC Insurance in connection with preparing the analysis.
• Aggregate, anonymized benchmarking data may be used to improve the accuracy of future analyses.
• Benchmarking data is retained for a reasonable period to support follow-up analysis and is then deleted or anonymized.

HealthReformGuy.com strives to publish accurate, current information. Regulatory limits, deadlines, and compliance requirements change frequently — content reflects the law as understood at the time of publication.

If you identify an error, outdated information, or a factual inaccuracy, please contact us at [email protected] with the article URL and a description of the issue. Corrections are made promptly and noted in the article where material.

Nothing on this site constitutes legal, tax, or financial advice. Employers should consult qualified legal counsel and advisors for guidance specific to their situation.