Bowser Insurance Services Inc.

10/16/2026

One of the most validating outcomes in this job doesn't look exciting from the outside: going through the entire renewal process and landing back on your current plan.

It can feel like nothing happened. But that's not true.

You evaluated the market. You tested your options. You confirmed, instead of assumed, that you're already getting good value.

A "stay put" decision reached on purpose is still a win. The process itself has value, even when the answer is "keep doing what you're doing."

Have you ever gone through a full review just to confirm you were already in the right place?

10/15/2026

This is going to be fun!

https://lnkd.in/p/gt3kY9Uq

10/14/2026

Matcha. That chicken from Harvest Kitchen. And somewhere in between, level-funded vs. fully insured.

This is basically an accurate look at what's rotating through my brain on any given day. Some of it keeps me fueled, some of it keeps me up at night wondering if I explained deductibles clearly enough in that last meeting.

But honestly, the renewals and the funding models and the plan design questions all lead back to the same thing: making sure employers are getting real value for what they're spending, and employees actually understand and use what they have.

Because at the end of the day, benefits aren't just a line item. They're part of why someone stays, why someone applies, and whether people feel taken care of when it matters most.

What's taking up the most space in your brain this week, the food or the funding models?

10/13/2026

One in eight women will be diagnosed with breast cancer in her lifetime.

In December 2025, I became the 1 in 8.

Those statistics hit differently when suddenly you’re one of them.

Luckily, my breast cancer was caught early. Early detection matters. And while none of us can control everything about our health, we can be proactive.

Ladies, please know your breasts. Pay attention to changes. Do your self-exams. And don’t put off your annual mammogram.

We are so busy taking care of our families, our businesses, our careers, our communities and everyone who depends on us. But taking care of ourselves has to be on that list, too.

Schedule the mammogram.
Do the self-exam.
Encourage your mother, sister, daughter and friends to do the same.

I never expected to be the 1 in 8. I had no signs, symptoms or family history. It was simply caught on a routine mammogram, and I am incredibly thankful for that.

Invasive ductal carcinoma
Stage 1
ER/PR+
HER2 -

During Breast Cancer Awareness Month, I’m sharing my story because if it reminds even one woman to schedule that appointment she’s been putting off, it’s worth it. 💗

It is important to remember that men also can get breast cancer. It is far less common (about 1/1000), but still possible, so, guys, please be mindful of that.

10/12/2026

Open enrollment is one of the only times all year employees actually stop and look at their benefits.

But here's the thing: many employees spend less than 30 minutes making their benefits decisions. That's less time than most of us spend planning a trip to the grocery store or a vacation. Many just continue with last year's selection without giving it a second thought.

That's not a knock on anyone. Life is busy, and benefits paperwork is easy to put on autopilot.

But your benefits package is a significant part of your total compensation — often equating to thousands of dollars in what we call the "hidden paycheck." It deserves a little more than a rushed click-through.

If you're an employer, this is your window to make that decision easier to get right, not harder. Clear information. Plain language. Real time to ask questions.

I'm curious: what's one thing you wish your employees understood better before they enroll?

10/09/2026

Some of my best thinking happens between meetings, not during them. Matcha in hand, laptop open, working through renewal numbers for a client before the next call starts.

Benefits strategy isn't glamorous work most days. It's a lot of spreadsheets, plan comparisons, and reading fine print so employers don't have to. But I genuinely like this part of the job.

What does your Friday look like this week?

10/08/2026

What a moment. 💜

Standing on stage at the ABWA - National Organization's National Women’s Leadership Conference last week as a 2027 Top Ten Business Woman and speaking to 320+ women from across the country about something I believe deeply in: connection.

ABWA has taught me that networking may introduce us — but it's a genuine connection that changes us. These women become the ones who stand alongside of you, encourage you, challenge you, celebrate you and sometimes remind you who you are when you forget.

To have the opportunity to share that message from the national stage, while proudly representing the ABWA - Fort Bend County Chapter, was an honor I won’t soon forget.

Grateful. Proud. And, more convinced than ever that connection matters. 💜

10/07/2026

10/06/2026

Do you know how much healthcare you used last year?

Not just your premiums.

I mean doctor visits. Prescriptions. Labs. Imaging. Specialists. Urgent care. Therapy. Procedures.

This topic came at breakfast recently with a friend.

Before you decide whether you need a $1,000 deductible or whether a $3,000, $5,000—or higher—deductible could make sense, you need to know how you actually use your health plan.

One of the best things you can do is track your medical expenses throughout the year.

Look at:

• How many times did you go to the doctor?
• How much did you spend on prescriptions?
• Did you have specialist visits, labs or imaging?
• How much did you actually pay toward your deductible?
• Did you come anywhere close to meeting it?
• How much are you paying in premiums for that lower deductible?

Because here's the part people sometimes miss:

A lower deductible isn't automatically the better plan.

You may be paying significantly more in premiums every month for a deductible you rarely — or never — reach.

On the other hand, if you have regular medical needs, expensive prescriptions, ongoing treatment or know you have a procedure coming up, paying more for a lower deductible and lower out-of-pocket exposure may make perfect sense.

The goal is to look at the TOTAL cost of your healthcare, so include your annual premiums and expected out-of-pocket expenses. This will give you a much better picture of what your health plan is really costing you.

And, don't just look backward. Think about what's coming next year, too.

Your health can change quickly. Mine certainly did this year.

That's why I encourage people to pay attention to their healthcare numbers throughout the year — not just during open enrollment when they're trying to remember what happened over the previous 12 months.

Track it. Know your numbers. Then choose the plan that fits the way you actually use healthcare.

That's how you make benefits decisions instead of just picking a deductible.

10/05/2026

Today is World Mental Health Day.

Here are a few ways to help your employees manage whatever life presents:

Mental health services are part of the Affordable Care Act mandate; therefore, all ACA-compliant plans include both inpatient and outpatient services.

There are bolt-on products that can be layered on top of your health plan, offering speedier access to mental health care than just calling a provider. Think MindClub America, which is billed to the health plan, and FreshBenies, which has a per employee, per month fee.

An Employee Assistance Program typically gives employees (and often their families) confidential access to counseling sessions, at little to no cost. This is typically an employer-paid benefit, but it is also sometimes included as a value add with a group term life product.

While our culture is getting better about tackling mental health and seeking care, we still have a long way to go.

I have seen a therapist off and on over the years, and am currently seeing one to help me with my cancer-related PTSD.

When was the last time you were in therapy?