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.

Stop Signing What You've Never Read: The Health Renewal Trap

27 Jun 2026 · 1 min

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Paul H. Flowers Jr. warns business owners that they sign health insurance renewals without reading them, losing unused claims money each year. Self-funding with stop-loss insurance lets employers keep savings instead, but most companies never run the numbers to see if it works for them.

Chapters

Most owners treat their health renewal like the weather, something that just happens to them. Every fall the letter comes, the number's bigger, same coverage, and everybody signs. But that number isn't the weather. Four carriers set it, and in a healthy year, the claims money you didn't spend, you never see it again. Self-funding flips that. You pay your own people's claims, cap the risk with stop loss, and what you don't spend stays yours. Most companies your size never even run the math. Stop signing what you've never read. I'm Paul H. Flowers Jr. Run your numbers at paulflowersjr.com.