Paul H. Flowers Jr.Senior Business Consultant, Superior Insurance Advisors, LLC · 2024 Hot 100 honoree. 2026 Health Value Award. Fiduciary process documented. 30 to 40 percent health-plan savings for 100 to 2,000 employee CFOs. 3x number one bestseller.

CEOs: The 2026 Health Renewal Nobody Let You Read

23 Jun 2026 · 1 min

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In this brief promotional video, Paul H. Flowers Jr. warns CEOs that 2026 health insurance renewals are poised to be the steepest increase in roughly 15 years, despite the coverage remaining unchanged. He explains that fully insured plans conceal carrier margins, administrative loads, and the loss of a healthy year, allowing insurers to retain the spread while the employer sees only higher premiums. In contrast, self‑funded plans give employers full claim visibility, allow them to cap bad years with stop‑loss protection, and enable them to retain any savings. Flowers urges CEOs—regardless of company size—to question their current arrangements and run their own numbers using his website, paulflowersjr.com.

Chapters

CEOs, your 2026 health renewal is shaping up to be the steepest hike in about 15 years, and you'll pay it on the exact same coverage. Here's what that letter won't show you: carrier margin, admin load, a healthy year you never get back. Fully insured, the carrier sees your claims. You don't. They keep the spread and hand you a bigger number next year. Self-funded employers read every claim, cap the bad years with stop loss, and keep what they don't spend. You're not too small to ask the question. I'm Paul H. Flowers Jr. Run your numbers at paulflowersjr.com.