The 2026 Health Cost Reframe — A CEO’s Blueprint for Ending Renewal Roulette
Tired of double-digit rate hikes, shrinking coverage, and explaining to your team why “it’s the best we can do”?
Take Back Control of Your Second-Highest Expense!
This free guide shows you how leading employers are cutting costs by 10–15% and escaping the renewal trap for good.
The Reframe Readiness Checklist
Find where your plan is leaking control. Plug the holes. Walk into 2026 with a budget you actually set.
This isn’t a broker’s cold call. It’s your path to a better way.
Is Your Health Plan Built for Control — or Chaos?
Answer honestly. You’ll see the pattern fast.
Is Your Health Plan Built for Control — or Chaos?
Answer honestly. You’ll see the pattern fast.
The 2026 Shift (OBBB)
“You’re not in the insurance business — but your plan makes it feel like you are.”
Shorter decision windows
Stricter eligibility audits
Carrier consolidation
Translation: if you wait, you’ll decide fast and pay more for less. The upside? The individual market strengthens. Defined-contribution (ICHRA) becomes the smarter lever.
The 2026 Shift (OBBB)
“You’re not in the insurance business — but your plan makes it feel like you are.”
Small Call to Action Headline
Stricter eligibility audits
Carrier consolidation
Translation: if you wait, you’ll decide fast and pay more for less. The upside? The individual market strengthens. Defined-contribution (ICHRA) becomes the smarter lever.
Case Snapshot
A 42-person Michigan manufacturer faced a 13% hike. Post-Reframe, they saved 14.8% in year one and cut HR admin time by 40%.
What Changes
Fixed budget you set
Employees choose ACA plans
HR manages reimbursements and compliance
What You Stop Doing
Renewal roulette
Carrier musical chairs
COBRA headaches
Prefer to talk it through?
Note: This isn’t a broker’s cold call. It’s your path to a better way — one where you finally own the outcome instead of reacting to it.
“We thought it would be chaos. It wasn’t. Easiest renewal we’ve had.” — Michigan CFO
Case Snapshot
A 42-person Michigan manufacturer faced a 13% hike. Post-Reframe, they saved 14.8% in year one and cut HR admin time by 40%.
What Changes
Fixed budget you set
Employees choose ACA plans
HR manages reimbursements and compliance
What You Stop Doing
Renewal roulette
Carrier musical chairs
COBRA headaches
Prefer to talk it through?
Note: This isn’t a broker’s cold call. It’s your path to a better way — one where you finally own the outcome instead of reacting to it.
“We thought it would be chaos. It wasn’t. Easiest renewal we’ve had.” — Michigan CFO
Frequently Asked Questions
Question 1: Is this another “shop the market” pitch?
No. Carrier hopping is a stall tactic. We’re changing how you finance the benefit, not just who sends the bill.
Question 2: Will employees be confused?
Not if you lead with clarity. We provide plain-English education and a guided selection process. Confusion drops when choice makes sense.
Question 3: Are we compliant?
Yes. ICHRA is IRS-approved and ACA-compliant when implemented correctly. We build the audit trail and keep you clean.
Question 4: How fast can we transition?
90–120 days is ideal. We’ve done it faster when renewal timelines demanded it.
Frequently Asked Questions
Question 1: Is this another “shop the market” pitch?
No. Carrier hopping is a stall tactic. We’re changing how you finance the benefit, not just who sends the bill.
Question 2: Will employees be confused?
Not if you lead with clarity. We provide plain-English education and a guided selection process. Confusion drops when choice makes sense.
Question 3: Are we compliant?
Yes. ICHRA is IRS-approved and ACA-compliant when implemented correctly. We build the audit trail and keep you clean.
Question 4: How fast can we transition?
90–120 days is ideal. We’ve done it faster when renewal timelines demanded it.
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Open 8 AM - 4 PM EST
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