David Vudragovich · AgentDavidCares.com · Licensed Independent Group Benefits Advisor
Every year, the renewal letter shows up. And more and more often, the increase has two digits in it.
Many employers do what they did last year. They sign it, shift some of the cost to employees, and hope next year is better.
David Vudragovich, Licensed Independent Group Benefits Advisor with AgentDavidCares.com, wishes more employers knew this: a double-digit renewal is a starting point, not a final answer.
The Number Nobody Wants
Management wants a number.
HR is stuck presenting a number they did not come up with.
Employees are not going to be happy with that number either.
Everyone loses, and the same thing happens again at the next renewal.
There Is Another Way
The simple solution is to work with a group benefits advisor who will redesign the plan, not just requote it.
That means restructuring health insurance into group benefits. A properly structured benefits package can do more than pay the medical provider:
- Diversify risk, so the whole plan does not rest on one policy
- Give employees better financial protection from out-of-pocket costs, through Medical Balance Protection™
- Put the company in a stronger position for next year's renewal
It is not about cutting coverage. It is about building a benefits strategy instead of accepting a rate.
Let Us Take a Second Look
If a double-digit renewal just landed on your desk, a second opinion costs nothing.
30 minutes. No charge. No obligation.
Frequently Asked Questions
Do employers have to accept their group health insurance renewal?
No. A renewal is an offer, not a requirement. Employers can review plan design, funding options, and added protections before deciding.
What does it mean to restructure health insurance into group benefits?
It means looking at the whole benefits package, not just the health plan rate. The goal is to spread risk, protect employees financially, and improve the position for future renewals.
Will restructuring mean employees lose coverage?
No. The goal is not to cut coverage. A good restructure keeps or improves protection for employees while managing cost.
When should an employer start reviewing a renewal?
As early as possible. Waiting until the week before the renewal date leaves very few options.
What does a renewal review with AgentDavidCares.com cost?
Nothing. David is paid by the carrier, so there is no cost to the employer for the review.
Sources
Based on David Vudragovich's experience working with employers on group health renewals. No outside statistics are cited in this article.
Disclaimers
This article is for educational purposes only and is not intended to create alarm.
AgentDavidCares.com does not provide tax, legal, or compliance advice. Please consult your attorney, accountant, or benefits compliance specialist.
Information current as of October 9, 2026.
This article was developed with AI assistance and reflects the experience, voice, and opinions of David Vudragovich.