Your broker just delivered another renewal.
Same story as last year: “The carrier came back with a 16% increase… but we negotiated it down to 9%.”
You nod and think, “Well… I guess that’s just how it goes.”
That acceptance is killing your bottom line.
You’ve Stopped Questioning the System
Most mid-sized employers in the Dallas Fort Worth area are stuck in this exact cycle, and don’t even realize they’re trapped. Rising health insurance costs feel inevitable, like something you just have to accept as a business owner.
You’ve let your broker off the hook year after year because they “saved” you from an even worse increase. But if your broker isn’t producing better outcomes, they’re just managing your decline.
Start By Asking Better Questions
Instead of accepting another “negotiated” increase, ask these:
Why are my costs going up every year, no matter what? Your broker probably can’t give you a straight answer because they don’t actually know. They’re not analyzing your claims data or identifying trends. They’re just shuffling between carriers at renewal.
Why do I never see the data behind those increases? In the fully insured world, you don’t get to see behind the curtain. The carrier pools your premiums with thousands of other companies, and you have zero visibility into where your money goes.
Why is my broker’s income tied to rising premiums? Most brokers won’t tell you this upfront. They earn more when your premiums go up. Those carrier “overrides” and “bonuses” aren’t disclosed, creating a massive conflict of interest.
Picking Up on the Red Flags
Once you start asking questions, you’ll notice:
- No transparency into your actual claims experience
- No proactive strategy to manage your workforce’s health risks
- No performance accountability from your broker
- Same solutions year after year (changing carriers isn’t a solution)
There’s a Better Way
If you’re getting relatively small increases in the fully insured world, you should probably be self-funding. You’re making insurance carriers rich while giving up control of your healthcare spend.
We help mid-sized businesses move from fully insured to self-funded with complete transparency. You get control over your claims. You get real data. You get a partner whose success depends on your success.
We don’t earn more when your costs go up. We’re willing to put our fees at risk based on performance.
Stop Accepting “That’s Just How It Goes”
You can’t fix a problem you don’t know you have. But once you realize you’ve been stuck in a broken system, you can start making better decisions.
Stop accepting the annual premium increase routine. Start demanding transparency. Start asking your broker hard questions about their compensation and performance.
Your second or third largest business expense deserves better.
DM me for more information about how we’re helping companies take control of their health insurance costs.