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.

You Didn't Set That Number — Four Carriers Did (2026 Health Renewals)

1 Jul 2026 · 1 min

Watch on YouTube

0:47

In this brief promotional video, Paul H. Flowers Jr. warns employers that their 2026 health‑benefit renewal premiums are poised to rise dramatically—the steepest increase in roughly 15 years. He explains that the employer health‑insurance market is effectively controlled by four major carriers, and that in a “healthy” claims year the money employees don’t spend on health care is returned to the employer as a larger renewal amount. Flowers notes that 67 % of covered workers are already in self‑funded plans, where employers pay claims directly, cap exposure in bad years, and retain any unspent funds. He emphasizes that employers often never see the underlying math behind these renewals and urges them to “run your numbers” before the fall renewal period, directing viewers to his website for a detailed analysis.

Chapters

Your health renewal jumped again. Same coverage, bigger check. Here's what nobody tells you. You didn't set that number. 4 carriers anchor the whole employer health world. You fund the plan. In a healthy year, the money your people never spent, they keep it and hand you a bigger renewal as thanks. 2026 is shaping up to be the steepest employer health cost jump in about 15 years. 67% of covered workers are already in self-funded plans. You pay your own claims, cap the bad years, and keep what you don't spend. You're not too small to ask the question. You're just never shown the math. Run your numbers before this fall. I'm Paul H. Flowers Jr. Run your numbers at paulflowersjr.com.