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Your health insurance renewal hits, and suddenly the math doesn’t work: premiums climb faster than inflation, one big claim can blow up a small group plan, and specialty drug costs keep stacking the deck against predictability. We talk through why this trend is not a quick blip and why more business owners are getting cornered into hard choices that can even block raises. If you’ve ever thought, “Our benefits cost is becoming unsustainable,” you’re not the only one.

Alice Rhodes and I walk through what it really means to deconstruct your benefits and rebuild a plan that actually fits the business you’re running today. That includes the three common paths we see when a traditional group health plan stops making sense: eliminating coverage, providing a healthcare stipend (simple, but taxable), or shifting to an Individual Coverage HRA (ICRA), where employees choose their own individual plans and the employer reimburses a defined amount in a tax-advantaged way. We also get real about the employee experience on individual plans, including narrow networks, doctor and hospital differences between group and individual products, and why hands-on guidance can be the difference between a smooth transition and a frustrated team.

We also cover the “gotchas” leaders need to know, like COBRA obligations with ICRAs, how ACA rules treat different approaches, when ICRA admin fees can erase savings for very small employers, and how voluntary benefits like dental, vision, disability, accident, and critical illness can add value when medical coverage changes. If you want more predictable costs without “feeding employees to the wolves,” this conversation gives you a clear framework for deciding what fits.

Subscribe for more practical benefit strategy conversations, share this with a business owner who is staring down a renewal, and leave a review if it helped. What’s the biggest question you have about ICRAs, stipends, or replacing a group plan?

🎙️ Connect with Chrissy Myers and discover how resilience, expertise, and community can transform your world:

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💼 Visit AUI to see how Chrissy's employee benefits expertise can help you build a healthier, happier workforce.