Applying Smart Solutions to a Broken System
By Jack Fallbacher, Manager, Sales Engineer
Healthcare costs are out of control.
I don’t think that’s news to anyone. Most of us have felt the frustration—opening a bill we didn’t expect, skipping care because it’s just too expensive, or wondering why something so essential has to feel so complicated.
That’s why I’m proud to be part of PERMA FAIR.
We’re not trying to fix everything overnight, but we are focused on one clear mission: helping people save money on healthcare. Whether it’s finding better options, cutting through confusion, or just putting dollars back in people’s pockets, it all adds up to something that matters.
With a strong analytical background, I really believe in how PERMA FAIR approaches pricing claims and reducing healthcare costs. The current system doesn’t make sense to me—it’s overly complicated, and often, people end up paying far more than they should. At PERMA FAIR, we’re focused on making things simpler, clearer, and ultimately more fair for everyone.
Growing up, I’ve seen how much the world around me has improved—especially thanks to technology. From smartphones that put the world at our fingertips, to self-driving cars that are closer to reality than ever, to the rise of streaming services that give us instant access to entertainment—innovation has shaped every part of my life.
But when it comes to healthcare? The story is different. Despite all the advancements around us, healthcare costs have continued to rise at an alarming rate. We’ve seen tech change industries, improve communication, and drive efficiency—but healthcare still feels stuck in the past. I don’t believe that’s right, and that’s one of the reasons I joined PERMA FAIR. We’re challenging the status quo by finding smarter, more transparent ways to reduce healthcare costs and make them easier to understand.
I joined PERMA FAIR because I believe this work can make a real difference. Not just in theory—but in everyday lives.
If you’re someone who’s tired of paying too much for healthcare, I’d love for you to check us out at permafair.com. We’re here to help.
Featured Resources
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Why I joined PERMA FAIR
The healthcare system in the United States is often overwhelming — defined by complex regulations, rising costs, and processes that can feel far removed from the needs of patients and families. I have experienced that reality from multiple perspectives: as a professional within the health insurance industry and as a parent who has relied on the system to care for my own family.
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Why I joined PERMA FAIR
Healthcare in the United States is complicated, expensive, and too often frustrating for the very people it’s meant to serve. I know that firsthand, not just as a professional in the health insurance industry, but as a member myself. I began my career working in health insurance as an Administrative Assistant, supporting leadership, and learning how the system works behind the scenes. Later, I moved into a role at a large insurance company, where I expected better access, clearer answers, and more support. Instead, what I experienced was the opposite.
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Cut Through the Noise: Why Indexed Reimbursement is the Future of Fair Benefits
The latest national pricing data confirms what many employers already suspect: the same medical procedure can cost two to nine times more depending on the hospital, insurer, or even the contract. A bypass surgery at one Boston hospital, for instance, billed Aetna members nearly $50,000 less than UnitedHealthcare members, according to a recent Fierce Healthcare report on Trilliant Health’s transparency analysis
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