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 Don't Own Your Health Plan. You Rent It.

4 Aug 2026 · 1 min

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In this concise monologue, Paul H. Flowers Jr. frames employer‑provided health insurance as a rental agreement rather than ownership. He explains that employees pay monthly premiums that function like rent: when claims are low the insurer (or employer) keeps the surplus, and when claims rise the “rent” (premium) increases, regardless of the individual’s health status. Flowers highlights that two‑thirds of covered workers are on employer‑owned, self‑funded plans where the company pays claims directly, sees every invoice, and retains any unspent dollars. He argues that this lease‑like structure is normalized and invisible to most workers, positioning the insurance carrier as a secondary issue compared to the underlying lease. The speaker urges listeners to stop accepting this status quo and to recognize the hidden ownership dynamics of their health plans.

Chapters

You don't own your health plan. You rent it. Every month you send the landlord a check. Good year, nobody gets sick. The landlord keeps the difference. Bad year, the rent goes up. Good year, the rent still goes up. Name one other lease that works that way. I'll wait. Here's what they leave out of the renewal packet. Two-thirds of covered workers in this country are already on plans their employers own. Own. Their company pays its own claims, sees every invoice, and keeps every dollar it doesn't spend. Same doctors, same hospitals, same card in your wallet, different owner. Premiums are rent on a building you'll never own. And renting was never the safe choice, it was just the quiet one. The enemy isn't your carrier, it's the lease you never read, renewing itself year after year while everyone in the building calls it normal. I stopped calling it normal. You should too. I'm Paul H. Flowers Jr.