Author name: Cara Lovenson

Every year, the "Renewal Dance" begins. Your health insurance carrier sends a thick envelope (or a very long PDF) filled with confusing charts, legal jargon, and a single number that actually matters: your premium increase. For 2026, that number is likely to be a "rate shock" of 11% or more. Most business owners and HR […]

You are likely staring at your 2026 benefits renewal and feeling a sense of impending dread. With healthcare cost inflation projected to hit a staggering 6.5% this year, many business owners find themselves trapped in a cycle of paying more for less. You want to provide a stellar employee experience, but the "standard" plans being

You open the envelope, or more likely, the secure PDF portal, and there it is: the 2026 renewal notice. Your eyes immediately dart to the bottom line, and your stomach drops. A 12% increase? Maybe 15%? For some of you in high-cost markets like New York or Florida, that number might even be pushing 20%.

You deserve to know where every dollar of your company’s capital is going. For many business owners in 2026, the monthly invoice from a Professional Employer Organization (PEO) feels less like a financial statement and more like a riddle wrapped in an enigma. You see a single, large number: often labeled as "bundled services" or

You were promised a dream: a streamlined HR experience, world-class benefits, and a massive reduction in administrative headaches. Your PEO (Professional Employer Organization) sales representative showed you a sleek presentation with a "consolidated" rate that looked like a bargain. But then the first invoice arrived, and suddenly, that bargain started feeling like a mystery novel

You joined a Professional Employer Organization (PEO) because you wanted to simplify your life. You wanted a "one-stop shop" for HR, payroll, and benefits that would save you time and: ideally: money. But as you look at your monthly invoice in 2026, you can't help but feel like the math isn't quite adding up. We

If you are a business owner or an HR manager, you’ve likely felt the sting of the "standard" renewal season. Every year, your broker slides a spreadsheet across the desk showing a 10% to 15% premium hike, usually accompanied by a shrug and a comment about "market trends." It feels like you’re trapped in a

Most business owners and high-net-worth individuals treat life insurance like a "set it and forget it" utility bill: something you pay every month, grumble about, and never look at again. But here is the reality we see every day at Plan Professionals: you are likely overpaying for coverage you don’t need, or worse, you’re missing

You’ve likely seen the numbers on your annual renewal: your health insurance premiums are climbing, and pharmacy costs are the primary engine driving that ascent. You may feel as though you are pouring money into a black hole, where the more you invest in your employees’ health, the less transparency you receive in return. The

You likely see the numbers climbing every year: your employee health insurance premiums rising and your pharmacy benefit spend reaching new heights. It feels like a black box where money goes in, but the cost-saving "magic" promised by big Pharmacy Benefit Managers (PBMs) never quite materializes for your bottom line. At Plan Professionals, we recognize