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.

Declare Independence From Your Health Renewal (July 4th Mindset for CEOs & CFOs)

3 Jul 2026 · 1 min

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Paul H. Flowers Jr. argues that CEOs and CFOs should switch from carrier-controlled health plans to self-funded ones, where employers keep unspent premiums and control claims data. Most U.S. workers already use self-funded plans. He invites business leaders to calculate potential savings at paulflowersjr.com.

Chapters

Tomorrow the whole country celebrates independence. Monday morning, most companies go right back to a health plan someone else controls. The carrier sets the price, the carrier holds your claims data, and whatever your people don't use, the carrier keeps. That's not coverage, that's dependence. Here's the truth: most covered workers in America are already on self-funded plans. The majority, Not the Mavericks. Owning your plan means seeing every claim, keeping what you don't spend, and answering to nobody at renewal. This weekend, celebrate. Monday, declare a little independence of your own. I'm Paul H. Flowers Jr. Run your numbers at paulflowersjr.com.