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We had a conversation with a broker recently who said they were able to save significant costs for a large group. Changes were implemented into the plan, but some employees had questions. Lots of questions. This noise gave the employer the impression that the plan is not working for their employees.

The company decided to pay more for their insurance and return to the old model because that’s what employees were more familiar with.

In health insurance, everything has been built to maintain the status quo. Many employers are used to interacting with their brokers, or insurance carriers, in a transactional way. The insurance program is delivered year after year. Occasional improvements may be discussed, costs are likely negotiated, and the insurance program is set for another year.

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