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.

The Health Plan Number Your Carrier Won't Show You

16 Jun 2026 · 1 min

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In this brief consumer‑advocacy video, Paul H. Flowers Jr. highlights the steep rise in health‑insurance renewal premiums, noting a 6 % increase that pushes the average family plan cost to $26,993 per year. He points out that four major carriers—Blue Cross, UnitedHealthcare, Cigna, and Aetna—dominate the market and effectively set these prices for profit. Flowers urges viewers to question the increase, run their own calculations, and not simply accept the renewal letter without scrutiny.

Chapters

Monday morning, the renewal letter lands. Up 6% again. The average family health plan now runs $26,993 a year, and almost nobody asks why. 4 companies write most of those letters: Blue Cross, UnitedHealthcare, Cigna, Aetna. That increase isn't gravity. It's a price set by people who profit when it goes up. You're allowed to question it. Run your own numbers before you sign. I'm Paul H. Flowers Jr.