Keep the Change — Where Your Premium Goes in a Healthy Year

Here's a question your carrier hopes you never ask: In a healthy year, where does the extra premium go? Your people stayed well, claims came in low, and the check you wrote? Same size as always. And none of it came back. That's the fully insured deal. Heads they win, tails they keep the change. Self-funding flips it. You pay for your own claims, and in a good year, the money your people didn't spend stays on your balance sheet, working for your business instead of a carrier's shareholders. Same doctors, same coverage. A different owner of the Goodyear. I'm Paul H. Flowers Jr. Run your numbers at paulhflowersjr.com.