In this episode of Blueprints for Better Benefits, Rodney Mattos Jr. and Rodney Mattos Sr. unpack one of the biggest reasons employers stay stuck in fully insured health plans: broker incentives that reward rising premiums and discourage better options.

For employers frustrated by repeat renewals, limited transparency, and the same carrier-driven recommendations year after year, this episode explains why self-funded and captive strategies often never make it to the table, how compensation structures shape advice, and what leaders can do to evaluate whether their broker is truly aligned with their interests.

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Key Takeaway

If your broker earns more when your health plan costs more, that is not alignment. Employers need advisors whose incentives support lower waste, better strategy, and stronger long-term plan performance.

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