Making Insurance Suck Less
At its core, this blog is about helping business owners and financial leaders make smarter, more informed decisions around one of their largest and most frustrating expenses: employee health benefits.
But it doesn’t stop there.
Because the real objective isn’t just managing benefits – it’s protecting the financial engine of the business itself.
Here, Cody breaks down what’s actually driving rising healthcare costs, what most advisors and carriers don’t explain, and how different funding strategies impact risk, cash flow, and long-term sustainability. From renewal trends and pharmacy cost drivers to plan design, compliance, and cost-control strategies, each post is designed to bring clarity to a space that’s often overly complex and opaque.
Along the way, this blog expands the conversation beyond benefits – into earnings protection, business continuity, and the hidden risks that can quietly erode a company’s stability. Whether it’s an owner’s ability to generate income, a key employee’s impact on operations, or the long-term implications of an under-structured plan, the focus is the same: protecting both your people and your bottom line.
This isn’t theory – it’s built on real-world experience working with employers navigating renewals, evaluating funding options, and designing programs that do more than check a box – they strengthen the business.
If you’re a CFO, founder, or leadership team member tired of feeling boxed into the same options every year – and ready to think differently about both cost and risk – you’re in the right place
The Hidden Math Behind Your Health Plan
When employers evaluate health insurance options, they’re often presented with three choices: Fully Insured Level-Funded Self-Funded At first glance, these can feel like interchangeable insurance terms, just different ways to pay for the same thing. They’re not....
When a Renewal Increase Isn’t the Only Option
If you’ve ever opened a renewal and felt your stomach drop, you’re not alone. For most small businesses, rising health insurance costs feel inevitable — like something you just have to accept, adjust to, and move on from. But that’s not always true. Sometimes, the...
Built in Oklahoma
There’s a certain kind of innovation that doesn’t announce itself. It doesn’t come with hype. It doesn’t look revolutionary at first glance. In fact… people often resist it. And yet, over time, it quietly reshapes how we live and do business. Oklahoma has a history of...
Renewals Hurt This Year. You’re Not Imagining It.
If you’re a CFO or owner, there’s a decent chance your renewal felt like this: “Same plan… bigger bill… and somehow employees are still unhappy.” You’re not alone. The data backs up the pain, and these #’s are light considering what we’ve seen in the market. A few...