Read the plan before you sign the renewal

Case studies

Health Plan Visibility Studies. What the public Form 5500 filings show about 52 Texas electrical, plumbing and HVAC contractors, and six of them read closely: cost per covered person, how many people are actually covered, how long the carrier has been there, and what the broker was paid. Built from the public record only.

One plan, start to finish (composite). A 160-employee Texas mechanical contractor (composite), followed through every step, from the public filing that started it to the decision file and the second-year renewal. A composite built from the 52-company peer set. No real company’s filings or claims are shown; every figure is modeled so the arithmetic holds together.

How the process works

Defensible health plan decisions. The five stages behind every recommendation, who does what, and what goes in the decision file. Written for owners, CFOs and fractional CFOs.

Renewal Benchmark Check. A quick check you run yourself. See how your increase compares with public averages. It runs in your browser. Nothing you type here is sent anywhere.

How I’m paid. Every dollar, disclosed in writing before you sign anything.

Guides

• Health insurance renewal increase: what’s normal and what to check
• Level funded vs fully insured: what’s actually different
• How to get your group health claims report in Texas

Samples

• Sample Plan Report
• Sample Renewal Strategy and Decision File

Listen

Employer Advisory Board. Conversations with the advisors owners lean on, about what they see from their side of the table.