Most employers think their health plan is working…
Until the renewal shows up with a 15% increase and zero answers.
Sound familiar?
Every employer we talk to wants competitive benefits. But without access to your claims data, you’re just guessing.
You’re investing in a health plan that sounds good on paper, putting faith in hope rather than strategy.
Meanwhile, your employees are getting hammered with:
- Surprise bills they can’t afford
- Networks that exclude their doctors
- Sky-high deductibles and out-of-pocket costs
What We See In The Market
Most benefits advisors take the path of least resistance:
- Spreadsheet comparisons and carrier swaps
- Cost-shifting to employees through higher deductibles
- One-size-fits-all solutions that miss your unique needs
The problem? These approaches don’t address the root causes driving your costs up year after year.
The Fix (It’s Simpler Than You Think)
Before your next renewal hits, do these three things:
1. Review your claims data
Look for patterns. Where is your money going? Most employers operate without this insight.
2. Survey your employees
Find out what they want. Gen Z doesn’t want the same benefits as Baby Boomers. Stop guessing.
3. Design plans that address your biggest risks
Create solutions based on data, not hope. Address your biggest cost drivers while giving employees what they need.
Why This Works
When you base decisions on data instead of broker spreadsheets, you:
- Control costs instead of just shifting them
- Keep employees happy (which means they stay)
- Renew with confidence instead of anxiety
If you’re getting “low” increases in the fully insured world, you should probably be self-funding. You’re making the carriers rich while your employees suffer.
Your benefits program is often your second or third largest expense. It deserves the same level of attention and strategy as any other major line item.
DM me for more information. I’ll show you exactly what our clients are doing to create plans that make both employees and bottom lines happy.
You still have time before January!
Ready to stop flying blind with your benefits strategy?
Let’s talk about what true transparency looks like.