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.

Why Your Easiest Renewal Meeting Was Your Most Expensive | Paul H. Flowers Jr.

13 Jul 2026 · 1 min

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In this brief video, Paul H. Flowers Jr. warns that a smooth, quick health‑plan renewal—where the meeting lasts only a few minutes, hands are shaken, and no one questions the numbers—should be a red flag. He explains that such painless renewals usually mean the employer’s broker and carrier set the price without any negotiation, leaving the company exposed to the steepest health‑cost increases seen in about 15 years. Flowers argues that companies that have managed to keep costs flat did so by forcing the plan to compete line‑by‑line, just like any other contract. He urges employers to adopt the same competitive approach for their health plans and invites viewers to run their numbers on his website, paulflowersjr.com.

Chapters

"Last year's renewal meeting took 20 minutes. Everybody shook hands. Nobody blinked." "That should worry you. A painless renewal usually means nobody in that room was fighting for you. The carrier set the number, the broker presented it, and the increase got signed. Employers are staring down the steepest health cost increases in about 15 years. The companies holding their costs flat aren't lucky. They made their plan compete, Line by line, like every other contract they sign. Make yours compete. I'm Paul H. Flowers Jr. Run your numbers at paulflowersjr.com.