Strategic Partner Update

Week 11: Why Small Employers Are Leaving Fully Insured Plans

Hello, I'm Greg Sailer, owner of Sailer Benefit Services.

When most business owners review their profit and loss statement, they focus on payroll, taxes, rent, equipment, and operating expenses.

But there's another expense that's growing faster than almost any other line item.

Health insurance.

For many employers, employee benefits have become one of their largest operating expenses, yet it's often one of the least scrutinized.

Year after year, employers receive a renewal increase, adjust the budget, and move forward.

Unfortunately, many never stop to ask whether there may be a better way.

The reality is that health insurance is no longer simply an employee benefit.

It's a profit and loss issue.

Every additional dollar spent on healthcare costs is a dollar that can't be invested elsewhere in the business.

It may impact hiring decisions, compensation increases, equipment purchases, expansion plans, or overall profitability.

That's why this issue matters to trusted advisors.

Whether you're a CPA, financial advisor, banker, attorney, or property and casualty agent, your clients are likely feeling the pressure of rising healthcare costs.

Many business owners assume these increases are unavoidable.

In many cases, they're wrong.

Today's marketplace offers alternatives including level-funded health plans, captive arrangements, advanced pharmacy management strategies, and plan designs that can help employers gain greater control over their healthcare spending.

The first step is simply understanding what options exist.

That's where I can help.

At Sailer Benefit Services, I work with employers to evaluate their current benefits strategy and determine whether opportunities exist to improve results while controlling costs.

A simple question can start the conversation:

"How much did your health insurance costs increase this year, and what is that doing to your bottom line?"

You may be surprised by the response.

If you have clients concerned about profitability, healthcare costs should be part of the discussion.

I'd be happy to provide a complimentary review and second opinion.

Together, we can help your clients protect profits while continuing to offer competitive benefits.

I'm Greg Sailer with Sailer Benefit Services.

Thank you for watching, and have a great day.

There are more options than most small employers are shown.

Better benefits. Better Outcomes. Built for small businesses.

Too many small-business owners are told rising health insurance costs are simply part of doing business. In reality, most small employers are never shown enough options, never given enough context, and rarely get proactive guidance.

That is where we help. We work alongside advisors to evaluate alternative strategies, uncover hidden opportunities, and bring real solutions to employers who feel stuck. You remain the trusted advisor, and together we help your clients make more informed and confident decisions.

If you have a client frustrated by rising costs, We would be happy to review the case with you.

Sometimes the most helpful move is simply making the right introduction.

We have an amazing team!