Are You Getting What You Deserve from Your Health Insurance Broker?
Most employers don’t realize how little they’re getting—until it’s too late.
If you’re like most small to midsize business owners or HR managers, your relationship with your health insurance broker might look something like this:
They check in once a year—right before renewal.
They shop the same few carriers and send over quotes.
They handle the paperwork. Maybe.
Then… silence.
But is that really all you should expect?
The truth is: your health insurance broker should be one of your most valuable business partners—not just a middleman who shows up at renewal time. And if that’s all you’re getting, your broker may be costing you far more than just premiums.
What Should a Great Broker Really Do?
At Benefits Blueprints, we believe that your broker should be proactively working alongside you all year long. That means:
✅ Helping your employees actually understand and use their benefits
✅ Taking the load off your HR team by handling employee questions
✅ Bringing you creative cost-control strategies like level-funding or ICHRAs
✅ Guiding you through compliance landmines (COBRA, ACA, ERISA, etc.)
✅ Advocating for your employees when there are billing or claims issues
✅ Checking in on carrier performance—not just when it’s renewal season
Time for a Reality Check: The Broker Report Card
We created a simple tool called the Broker Report Card—a quick self-assessment designed to help you score your current broker’s performance across six key areas:
Responsiveness & Customer Service
Renewal & Strategy Planning
Employee Education & Engagement
Claims & Advocacy Support
Compliance & Risk Management
Cost-Saving Initiatives & Innovation
Each section is rated on a scale of 1 to 5. At the end, you total your score to find out how your broker truly measures up.
Spoiler alert: If you’re scoring under 60, it’s time to seriously consider making a change.
You Deserve More
You work hard to run your business, take care of your employees, and keep costs under control. Your broker should match that energy—bringing you solutions, not just spreadsheets.
If you’re curious how your current broker stacks up, download our free Broker Report Card and give it a try. It only takes a few minutes—but it could open your eyes to what you’re missing.
And if your score falls short, let’s talk. At Benefits Blueprints, we specialize in turning frustration into clarity and giving you the tools and support you need to take control of your health benefits—without the headaches.
Want a second opinion?
We offer no-obligation consultations to help you evaluate your current setup and show you what better could look like.