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.

What Would You Pay If You Only Covered Your Own Claims?

18 Jun 2026 · 1 min

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In this brief commentary, Paul H. Flowers Jr. highlights a recent 6% increase in family health insurance renewal premiums, noting that the average cost now reaches $26,993 per year. He points out that four major insurers—Blue Cross, UnitedHealthcare, Cigna, and Aetna—are responsible for the majority of these letters. Flowers argues that the price hike is not an inevitable market force but a profit-driven decision, urging viewers to question the increase, calculate their own costs, and avoid signing 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.