03/09/2026
Thank you to NAWBO Columbus for the opportunity to speak at the NAWBO Boost event.
During the conversation, I shared an example of how unpredictable health insurance can be. I have a client who is a real estate agent with one person on her plan. She paid about $12,000 for the year and only used around $3,000 in benefits, yet she is still facing a 20% increase at renewal.
Fully insured plans offer predictability, but they often come with higher monthly costs. Level funded plans can offer lower premiums, but there is some risk involved.
Understanding these differences can help small business owners choose coverage that truly fits their needs.