…Are You Ready for It? A Benefits Strategy That Actually Works

Let’s be real: most employee benefits brokers are about as effective as pumpkin spice in July – totally out of place and just a little annoying. They’re the ones patting themselves on the back for “negotiating” a slightly smaller rate hike, like they’re your kid claiming they “cleaned their room” but really just shoved everything under the bed. Meanwhile, your costs keep rising, and you’re wondering how you got stuck in this endless loop of insurance Groundhog Day.

Here’s the not-so-sweet truth: most brokers are set up to do the bare minimum. Why? Because the system rewards them for keeping you in a fully insured plan, which is essentially a money printer for insurance carriers. Your broker gets their cut, the carriers pop champagne, and you’re left muttering things better suited for a Deadpool script.

But what if I told you… (cue my best Deadpool impression) that you don’t have to stay in this broken system? Enter: self-funding.

Self-funding is like discovering Emily in Paris isn’t real – a game-changer, but you’ll need someone clever (not just lucky writers) to guide you through it. This strategy isn’t for everyone, but if you’re the right fit, the potential savings can be massive. Of course, this isn’t the “easy” route. It takes actual expertise, commitment, and a willingness to shake things up. Most brokers won’t touch it with a 10-foot candy cane because it means more work for them and fewer perks for the insurance carriers they cozy up to.

But guess what? Pressing the Easy Button doesn’t save you money. And it certainly doesn’t turn your benefits program into the strategic asset it could be.

Let’s Rewrite This Script:

Self-funding flips the game. It’s the High Potential of health plan strategies – smart, effective, and totally worth the hype. But it’s not for everyone, and it requires a broker who actually knows what they’re doing.

Here’s the deal: if your broker isn’t even mentioning self-funding or other cost-saving options, you’re working with the wrong partner and it’s time for you to channel your inner Swiftie and say, “We are never, ever, ever getting back together.”

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Final Mic Drop:

You need a broker who will break the mold, ditch the excuses, and give you the tools to actually save money. Someone who understands that your benefits program isn’t just a cost to manage – it’s a way to win big.

So if your current broker is stuck in “meh” mode, it’s time to swipe left. I’m here to bring the Blake Shelton-level charm and the Swiftie-level creativity to your benefits plan. Call me, and let’s ditch the drama and start saving for real. https://calendly.com/hlaney/discovery-call