Do you feel your company is overpaying for health insurance?
Cody Forehand helps employers evaluate and redesign employee health-benefit programs to improve cost efficiency, enhance employee affordability, and strengthen overall financial protection. By taking a comprehensive and data-driven approach, he works closely with organizations to identify gaps, uncover opportunities for optimization, and implement strategies that better align benefits with both business goals and employee needs.
We brought Cody in for a second opinion on our health plan. What we thought was “just how insurance works” turned out to be fixable. He simplified everything, reduced unnecessary costs, and gave us a strategy instead of just a renewal. He didn’t just lower premiums; he redesigned the structure so benefits actually worked better. Before working with Cody, our benefits felt confusing and reactive. Now we have clarity, a plan, and confidence going into renewal season. He makes a complicated industry understandable.
Strong businesses are built around strong partners. Working with Cody has completely changed how we view employee benefits – moving us from annual renewals to a clear long-term strategy.
He simplifies a complicated industry, communicates exceptionally well, and genuinely advocates for both the company and its employees. Cody operates like a trusted advisor, not just a broker.
Highly recommend him to any business owner looking for clarity, strategy, and a better approach to benefits.
Before working with Cody, our benefits felt confusing and reactive. Now we have clarity, a plan, and confidence going into renewal season. He makes a complicated industry understandable.
You keep spending more. But are you getting more?
Rising premiums do not always mean your company is receiving greater value. Employees may still face unaffordable payroll deductions, expensive family coverage, high deductibles, and significant financial exposure when they need care.
Rising Renewals
Annual increases feel inevitable, with little explanation about what is driving the cost.
Employee Affordability
Employees may be unable to afford dependent coverage or use the plan once enrolled.
Weak Transparency
Leadership may not know which alternatives were evaluated or why the current recommendation was made.
More Spending, Same Complaints
The company contributes more each year, but employees remain dissatisfied or underprotected.
Changing insurance carriers does not automatically fix an inefficient benefits program. I evaluate how the entire program is structured - not simply which carrier submitted the lowest renewal.
Employer Investment
Evaluate total benefits spending, contribution strategy, and opportunities for greater tax efficiency.
Employee Affordability
Review payroll deductions, dependent costs, deductibles, and employees’ out-of-pocket exposure.
Plan Structure
Assess funding arrangements, plan design, pharmacy costs, and available alternatives.
Long-Term Performance
Examine renewal strategy, cost drivers, employee experience, and overall financial protection.
Documented Results, Not Vague Promises
$835,552 in documented employee financial relief
Project $2 Million tracks measurable financial relief created through smarter benefit structures, improved affordability, and more efficient employer spending.
Start with a Benefits Efficiency Review - TODAY!
The Benefits Efficiency Review is a disciplined second look at how your current benefits program uses company and employee dollars. It is designed to identify questions, potential inefficiencies, financial exposures, and areas that may deserve further investigation.
What I evaluate
- Total employer benefits investment
- Employer contribution strategy
- Employee and dependent affordability
- Deductible and out-of-pocket exposure
- Funding arrangement and plan design
- Pharmacy and claims opportunities when data is available
- Tax and contribution efficiency
- Renewal timing and available alternatives
What the employer receives
- A plain-English assessment
- Identification of what appears to be working
- Potential inefficiencies or financial exposures
- Questions that deserve additional investigation
- Recommended next steps when action is warranted
Business Costs Are Financial. Insurance Is Personal.
I understand what expenses mean to a business, and I understand what insurance means to a family.
As a husband, a dad of three, and someone who has experienced how quickly life can change after a traumatic brain injury, I’ve learned that financial protection is never just about numbers on a spreadsheet. It is about the people, families, and futures behind those numbers.
That perspective shapes the way I approach employee benefits. My goal is to help employers use their benefits dollars more effectively while creating plans that employees can afford, understand, and rely on when they need them most.
No gimmicks. No pressure. Just a thoughtful, honest approach to protecting what matters—both for your business and the people who help make it successful.
A Clearer Way to Evaluate Benefits
Understand
Review the employer’s goals, concerns, renewal history, and employee experience.
Evaluate
Examine spending, contributions, affordability, plan structure, funding, and available data.
Identify
Determine what appears to be working and where inefficiencies or financial exposure may exist.
Recommend
Provide clear next steps when a meaningful opportunity is identified.
Not sure whether your benefits program is working as effectively as it should?
Request a Benefits Efficiency Review to take a closer look at cost, value, employee affordability, plan structure, and available alternatives.
No immediate carrier change or major decision is required. The first step is simply understanding the current program more clearly.