Who’s minding your broker?

Every year, employer based health insurance costs more. Every year, the answer is the renewal hamster wheel and a shrug. Why?

If you’re a CEO, CFO, or HR leader, this one’s for you. Health insurance is one of the largest checks your company writes, and it’s usually the least strategic decision you make all year. A rushed renewal, a bigger number, and on to the next thing. 

If the renewal is under 5%, you’re popping bottles. If it’s under 10%, you’re not happy, but (shame on you) that’s what you budgeted. If it’s >10% something's gotta change.

The money that funds your plan is funding a lot of other people’s incentives too. CLEAR Healthcare Solutions helps you see where it goes, ask the questions no one’s asking, and build a plan that holds up for years instead of one renewal at a time.

Hope is not a strategy. Strategy is.

Independent Advisory, not a broker. That’s the whole point.

Vincent spent 23 years inside the benefits industry. He knows how the money moves, because he was part of moving it.

In 2026, the median broker compensation for a commission based relationship is $500/year PER EMPLOYEE. A broker paid by the carrier is, structurally, working for the carrier, not you. That’s not an accusation. It’s an org chart. CLEAR Healthcare Solutions takes a different seat: no carrier ties, no commissions, no hidden incentives, and no book of business to protect. That’s what makes us CLEAR Healthcare Solutions, and it’s why the only interest we answer to in the room is yours.

We don’t replace your broker, sell you insurance, or push one funding model over another. We’re here to empower you to have a better conversation with your broker about strategy, maximizing their capabilities, and how they’re paid. Or we can help you find one that is more aligned with your goals.

Why now

Employer healthcare costs are projected to rise 6.5 to 10 percent in 2026, and that trend has outrun inflation and wages for years. Meanwhile the market has splintered into hundreds of point solutions, funding models, and pharmacy plays, each one sure it’s the answer. Compound math sucks. A 10% increase on a currently $1000 per month per employee premium is $1200/year/employee. Keep extrapolating that.

So the questions have gotten bigger than any renewal can handle. Are we funding this the right way? Are we overpaying, and how would we know? Are our people actually getting value for what we spend? Are we meeting our fiduciary responsibility?

Those aren’t HR questions anymore. They’re C-Suite executive questions, and they deserve an independent answer.

How it works

Every engagement runs on the CLEAR Healthcare Analytical Framework, which evaluates your strategy across five areas: financial stewardship, governance and fiduciary oversight, employee value and health outcomes, data transparency, and strategic readiness.

That’s the how. Here’s where it starts.

Where it starts: the Employer Healthcare Analytical Assessment™

Every relationship begins with the Assessment. It’s an independent, outside read on where your healthcare strategy stands today, where the money’s actually going, and where the real opportunities are.

You walk away with:

• Executive Summary
• Healthcare Stewardship Scorecard
• Current State Assessment
• Key Findings & Opportunities
• Three-Year Strategic Roadmap
• Executive Presentation of Recommendations

It’s not a one-time project, but could be. It’s the foundation for a working relationship, and for the employers who want it, it opens into ongoing advisory.

Staying in the room

For companies that want an independent voice all year, CLEAR Healthcare Solutions becomes an extension of the leadership team, at whatever level fits:

• Foundation Advisor. Quarterly strategy and annual renewal planning.
• Strategic Advisor. Monthly strategy, broker and vendor evaluations, and a seat on your benefits committee.
• Executive Advisor. A fractional healthcare strategist in the room, through the board level.

Investment is scoped to the engagement. That’s a conversation, not a price list.

Start with one conversation

That’s the whole ask. Executive conversation, then an assessment, then whatever ongoing help actually makes sense. No pressure, no pitch.

If you’re tired of finding out what your plan really cost after you’ve already signed the renewal, let’s talk.

Email: marketing@clearhcs.com
Phone: (916) 284-6973