The Rate Shock Survival Guide
Free Guide
Your renewal letter just arrived, and the number is higher than last year. Again. This guide gives you a clear framework for understanding what's driving the increase, what questions to ask your broker, and what alternatives exist for businesses like yours.
- Warning signs you're overpaying on your current plan
- The questions your broker should be answering (but probably isn't)
- A step-by-step framework for evaluating your alternatives
- How level-funded and self-funded plans actually work
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What's inside
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Why premiums keep climbing
The structural forces behind annual increases: medical inflation, risk pool averaging, and misaligned broker incentives.
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The questions to ask at renewal
A checklist of questions that separate informed buyers from easy targets. Bring these to your next broker meeting.
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Alternative plan structures
How level-funded and self-funded plans work, who they're right for, and what the transition actually looks like.
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Your action plan
A step-by-step framework for evaluating whether your current plan is still the right fit, and what to do next if it isn't.
Want to talk through your situation?
The guide is a great starting point. If you'd like to see what these ideas look like applied to your specific company, we're happy to walk through it together.
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