Warning signs your current plan isn't working — and what Louisiana employers can do about it.
1. You Accept Every Renewal Without a Market Analysis
Most brokers present one or two options at renewal time — usually the same carrier at a higher rate. If you've never seen a side-by-side comparison of 10+ plan options across multiple carriers and funding strategies, you're making a $500,000+ decision with incomplete information.
2. Your Broker Can't Explain Where Your Premium Goes
A fully insured premium is a black box. Claims cost, administrative fees, carrier margin, and stop-loss are all bundled into one number. If your broker can't break that number apart, they either don't know or don't want you to know. Both are problems.
3. You've Had Back-to-Back Renewal Increases Above 8%
Healthcare trend runs 5–8% nationally. Consistent double-digit increases mean your plan isn't being managed — it's just inflating. A self-funded or level-funded arrangement with active claims management can break that cycle.
4. Your Employees Can't Afford to Use Their Insurance
High-deductible plans that employees avoid using aren't a cost solution — they're a cost transfer. If your workforce is skipping care because of cost-sharing, you're building a hidden liability in deferred health conditions.
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5. You Don't Know Your Claims Loss Ratio
If you're fully insured and your broker can't tell you what your claims were relative to premium last year, that's the problem. Groups with favorable claims history are subsidizing high-claims groups in the carrier pool. You should know your number — and use it as leverage.
Ready to find out what your plan is actually costing you? Run a free plan diagnostic or schedule a review with our team.
Ready to put this into practice? See the 5 cost levers →