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.

Nobody at Your Carrier Is Paid to Lower Your Costs

14 Jul 2026 · 1 min

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0:35

In this brief promotional video, Paul H. Flowers Jr. argues that health‑insurance carriers have a financial incentive to see claim costs rise, because their revenue grows with higher spend. Consequently, they are not motivated to help employers reduce expenses. Flowers explains that the largest U.S. employers have avoided this conflict by self‑funding their health plans, which lets them pay claims directly, access their own claims data, and retain any dollars saved. He emphasizes that the issue isn’t the math of self‑funding—it’s whether anyone at the decision‑making table is financially rewarded to present that option. The video ends with a call to action to “run your numbers” on his website, paulflowersjr.com.

Chapters

Nobody at your insurance carrier gets a bonus for lowering your costs. When your claims spend rises, their revenue rises with it. You budget the increase, your people absorb the deduction, and the cycle resets every fall. The biggest employers in America stopped playing that game. They self-funded, paid their own claims, saw their own data, and kept every dollar they didn't spend. The question isn't whether the math works. It's whether anyone at your table is paid to show it to you. I'm Paul H. Flowers Jr. Run your numbers at paulflowersjr.com.