Are you standing on the sidelines, playing defense, instead of taking control and playing offense?
Too many employers today are passive players in the health insurance game. They react to every cost increase handed to them by their insurance company—raising deductibles, increasing out-of-pocket expenses, hiking payroll deductions, or scrambling for a short-term fix by switching carriers.
Meanwhile, business leaders who refuse to be hostages to insurance companies are taking a different approach. They’re proactively implementing strategies that beat insurers at their own game. These leaders aren’t relying on advisors who are pocketing commissions, rebates, and other hidden payouts from insurance companies. Instead, they’re turning to well-informed, independent advisors who prioritize transparency, objectivity, and their clients’ best interests.
I often hear employers say, “John or Mary Doe is our broker, and we’ve had them for years. We pay them to advise us.” My response? If your costs keep rising, how good can that advice really be? When was the last time your broker introduced solutions that could cut your health insurance costs by 20-40%? If the answer is “never,” it’s time to rethink who you trust.
Many brokers and consultants get complacent. They’re too comfortable, making too much money, unaware of new programs—or simply unwilling to do the work to find better solutions.
If your health insurance costs aren’t going down, it’s time to reevaluate your broker. Seek out advisors who are reshaping the industry—those who take money from Wall Street and put it back into the pockets of employers and employees. A great place to start? www.healthrosetta.org.
Stop playing defense. Start winning the game.
