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 Health Premium Goes Up Every Year (And the 4 Companies Behind It)

8 Jun 2026 · 1 min

Watch on YouTube

0:33

In this brief YouTube monologue, Paul H. Flowers Jr. highlights the recurring annual increase in health insurance premiums, noting a 6% rise that pushes the average family plan cost to about $26,993 per year. He identifies the four dominant insurers—Blue Cross, UnitedHealthcare, Cigna, and Aetna—as the primary sources of these premium letters and argues that the price hikes are not inevitable but are set by profit‑driven companies. Flowers urges viewers to question these increases, do their own calculations, and not simply accept the higher rates when renewing their coverage.

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.