Insurance jargon makes most people run the other way—until they need it. In this episode of The MedList, Kevin and Donna sit down with Kristen Rivers, JD (SVP of Sales, Pareto Health) to break down employer-sponsored insurance in plain English. They explore why costs keep rising, what “ownership vs. policyholder” really means, how transparency changes everything, and practical ways employers and employees can work together to build better benefits—without sacrificing care.