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.

Every Health Plan Has Two Numbers — Most Employers Only See One

18 Jul 2026 · 1 min

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Paul H. Flowers Jr. explains that health plans have two numbers: the premium employers pay and the actual cost of claims. Most employers only see the premium. Two-thirds of covered workers are already on plans where employers pay their own claims. Ask your carrier what you'd pay if you only covered your own claims.

Chapters

Every health plan has two numbers. What you pay, and what your people's care actually costs. Most companies have never seen the second number. The premium goes up, the renewal gets signed. And the gap between those two numbers? Somebody else keeps it. Two out of three covered workers in this country are already on plans where the employer pays for its own claims. That's not exotic. That's the mainstream. So ask the question your carrier hopes you never ask: What would we pay if we only paid for our own claims? See both numbers. I'm Paul H. Flowers Jr. Run your numbers at paulhflowersjr.com.