07/15/2026
Had a client ask me something this week that I hear all the time...
"Nobody had a major surgery or anything crazy this year. Why did our health insurance still go up?"
Honestly, it's a good question.
A lot of people think their renewal is based only on what their employees used. That's part of it, but it's not the whole story.
Hospital costs keep going up. Prescription drugs are getting more expensive. Healthcare inflation is real. Carriers are also looking at trends across similar groups, not just yours.
The part most employers don't realize is they actually have more control than they think.
If you wait until renewal comes out to start talking about strategy, you're already behind. The employers who usually get the best results are the ones looking at their plan year-round—reviewing claims, talking through options, and making small changes before renewal ever gets here.
Health insurance isn't just another bill to pay. It's one of the biggest expenses for a lot of businesses, and it deserves the same attention as payroll, taxes, or any other major cost.
Just something to think about.
Have you noticed your health insurance costs going up even when your employees had a pretty healthy year? I'd love to hear what you've experienced.
