EMPLOYEE PROTECTION | CASE STUDY

How RECO Construction Group Reduced a Family’s Potential Annual Healthcare Exposure by $22,098

A benefits redesign that dramatically reduced employee financial exposure without simply changing insurance carriers.

$32,670

Potential annual family cost under the renewal option

$10,572

Approximate maximum annual employee exposure after redesign

$22,098 LESS

Difference in potential annual exposure

Before: The Renewal Option

  • Double-digit renewal increase
  • Family annual exposure reaching $32,670
  • Rising deductibles
  • Rising out-of-pocket maximums
  • Increasing pressure on employees and families

After: The Redesigned Program

  • Family deductible reduced to $3,500
  • Family out-of-pocket maximum reduced to $7,050
  • Approximate maximum annual employee exposure reduced to $10,572
  • Employer contributions strategically increased
  • A more transparent and intentional plan structure

The carrier did not change. The architecture did.

The Challenge

RECO Construction Group was experiencing the same pressures facing many employers: rising costs, increasing employee exposure, and a renewal process that offered few meaningful improvements.

Under the renewal option, a family’s potential maximum annual cost had climbed to $32,670.

The Redesign

After meeting with Brett Rogers to understand RECO’s current program and long-term goals, Cody evaluated the entire structure rather than simply shopping the same plan among different carriers.

The analysis included:

  • Plan architecture
  • Employer contributions
  • Employee payroll deductions
  • Deductibles
  • Out-of-pocket exposure
  • Transparency and long-term affordability

The Impact

The redesigned program lowered approximate maximum annual employee exposure to $10,572 while improving the employer’s contribution strategy.

The result was more than a change in insurance numbers. It provided stronger financial protection for employees and a more intentional use of company benefit dollars.

What Could $20,000 Less in Potential Exposure Mean to a Family?

Mortgage payments remain manageable

College savings stay on track

Emergency savings remain intact

Financial stress is significantly reduced

Benefits decisions affect more than premiums and deductibles. They influence whether employees can seek care, protect their savings, and recover from an unexpected medical event without destabilizing their family’s finances.

Employer Outcome and Employee Outcome

For RECO

  • A more intentional benefits structure
  • Better alignment with the company’s long-term goals
  • A stronger recruitment and retention story
  • Improved transparency around how benefit dollars were being used

For Employees

  • Lower deductible exposure
  • Lower out-of-pocket exposure
  • Greater financial protection
  • More confidence in the value of the benefits program

Could Your Current Plan Be Creating Unnecessary Financial Exposure?

A Benefits Efficiency Review provides a disciplined second look at your company’s benefits investment, employee affordability, plan design, and available alternatives.

Request a Benefits Efficiency Review

No immediate carrier change or major decision is required. The first step is simply understanding the current program more clearly.