Employee Health Plan Cost Specialists · Mid-Market Employers Nationwide
Stop Double-Digit Health Insurance Renewal Increases Before Your Next Renewal
We identify hidden claim drivers, pharmacy exposure, and stop-loss risk that traditional broker reporting misses — and typically reduce employer health plan spend 15–30% within 12 months.
For employers with 75–1,500 employees
- No broker change required
- Confidential review
- 15-minute analysis call
$2M Manufacturing Group · 340 Employees
Projected 14% increase → 1.8% renewal · Saved $412,000
Construction Company · 210 Employees
Flat renewal after 3 consecutive increases
Service Company · 480 Employees
Removed $1.1M specialty drug exposure
People book people, not firms.
Before we talk spreadsheets, renewals, or stop-loss, you should know who you’ll be speaking with.
Trent Vance
Principal, Vance Consulting Group
Trent works with mid-market employers to uncover the specific claim patterns that are quietly inflating renewals. The goal is simple: identify what’s driving cost before the carrier locks it in, and give leadership a clear set of actions to control risk.
- Credentials: 15+ years in employer health plan analytics & cost strategy
You might recognize yourself here.
- Your last renewal came in higher than expected (or your broker “can’t explain” the number).
- You’ve had one or two large claims and you’re worried about what’s coming next.
- Pharmacy costs, GLP-1s, or specialty drugs are starting to dominate the spend.
- You want an outside, independent view of what the data actually says.
- You’re self-funded (or considering it) and need clearer financial predictability.
- You need a plan before the renewal letter shows up and steals your options.
Free Employer Health Plan Cost Risk Assessment
We analyze 12 months of your plan data and show you:
- Your true renewal projection — not the number your broker is showing you
- Top 4–6 cost drivers inside the plan accounting for 30–50% of spend
- Pharmacy & GLP-1 exposure risk and containment options
- Large claim concentration and stop-loss vulnerability
- Concrete savings opportunities available before your renewal
“You can review the full analysis before deciding whether to work with us. No commitment. No pressure. No broker change required.”
Most employers don't have a pricing problem. They have an unseen claims problem.
Renewals aren’t rising because carriers are arbitrarily raising premiums. They’re rising because a small number of claim patterns quietly accumulate risk inside the plan — and standard broker reporting typically shows it after it’s too late.
2–5 Large Claimants
You don't know about them yet — but they're driving 30–50% of next year's renewal number right now.
GLP-1 & Specialty Drug Exposure
Pharmacy costs are the fastest-growing plan liability. Most employers are exposed and unaware of the magnitude.
Stop-Loss Laser Risk
Carriers identifying high-cost claimants and lasering them out of your stop-loss coverage — silently increasing risk.
Out-of-Network Billing
A single out-of-network procedure can cost 4–8x the in-network rate. Often invisible in summary reporting.
Hidden Utilization Patterns
Summary reports show you the past. We identify patterns building in the present — before they become your premium.
By the time most employers see this in their renewal letter, the cost is already locked in. The analysis has to happen 90–180 days earlier — when there’s still time to act.
What Happens After You Contact Us
Step 1
2–3 min
Sign a Simple Data Release
Step 2
48–72 hrs
We Analyze Claims & Utilization
Step 3
Before renewal
Forecast Your Renewal
Step 4
15 min
Review Options & Next Steps
The entire review process is confidential. Your carrier, broker, and employees are not notified.
Recent Employer Results
No company names needed. Numbers build the credibility.
Manufacturing
300–400 EMPLOYEES
Identified issue: 3 high-cost claimants + specialty drug escalation
Action taken: targeted claimant intervention + benefit design adjustments
Renewal outcome: projected 14% → renewed at 1.8%
Construction
175–250 EMPLOYEES
Identified issue: out-of-network pattern + stop-loss laser exposure
Action taken: plan restructuring + pharmacy management layer
Renewal outcome: repeated 12%+ increases → flat renewal
Professional Services
400–550 EMPLOYEES
Identified issue: GLP-1 and specialty Rx accumulation
Action taken: clinical management + alternative funding strategy
Renewal outcome: exposure reduced before renewal cycle
Healthcare Services
250–350 EMPLOYEES
Identified issue: high ER utilization + avoidable facility charges
Action taken: steerage + site-of-care controls
Renewal outcome: renewal moderated vs. carrier projection
Distribution
500–700 EMPLOYEES
Identified issue: claim concentration risk + stop-loss vulnerability
Action taken: stop-loss strategy review + large-claim mitigation plan
enewal outcome: laser risk reduced ahead of renewal
Hospitality
100–180 EMPLOYEES
Identified issue: pharmacy spend drift + unmanaged specialty scripts
Action taken: formulary controls + specialty carve-out evaluation
Renewal outcome: trend stabilized before renewal
Is This a Fit for Your Organization?
Good Fit
- 75–1,500 employees (or growing into that range)
- Renewal increases have been 8%+ in the last 1–2 years
- You suspect pharmacy, specialty Rx, or large claims are driving risk
- Your leadership wants CFO-level predictability and a clear plan
- You can share de-identified plan data for analysis
- Renewal is 90–180 days out (or you want action now)
Not a Fit
- Employers under 25 employees
- Plans where no data access is possible
- Organizations not open to operational or plan changes
- Government-administered plans with fixed rules
- Looking for a new broker relationship only
- Seeking “quotes only” without claims review
If we’re not the right fit, we’ll tell you on the first call and point you in the right direction.
Proven. Independent. Accountable.
You don’t need long bios. You need proof that we know what we’re doing.
15+
Years Experience
100+
Clients Served
$50M+
In Costs Analyzed
Carrier & Industry Relationships
UnitedHealthcare
Aetna
Cigna
Blue Cross Blue Shield
Sun Life Stop-Loss
Tokio Marine
Optum Rx
Express Scripts
See What Your Next
Renewal Is Likely to Be
Most employers contact us 90–180 days before renewal. The earlier we review
your data, the more savings options remain available to you.
Your renewal is being determined right now — whether you can see it or not.
Answers Before You Ask
Do I have to change brokers to work with you?
No. We work alongside your existing broker relationship. A simple data release is all that’s needed — your broker is not notified unless you want them to be.
Will my carrier know I'm doing this review?
No. The review is completely confidential. We work with de-identified data and the carrier is not involved in the analysis process.
Do you need protected health information (PHI)?
No. We use de-identified claims data — no individual employee health information is ever required or reviewed by our team.
My renewal is only 60–90 days away. Is it too late?
Not necessarily. While earlier is always better, we have identified meaningful savings opportunities even within a 60-day window. Contact us immediately — every week counts.
What does the Cost Risk Assessment actually cost?
The initial assessment is provided at no cost. We only engage in a paid relationship if the analysis shows clear savings opportunities and both parties agree it makes sense to proceed.