AN OPEN LETTER…to Non-Profits

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Are you sick and tired of ridiculous 8-15% annual increases on your group healthcare costs?

Are you fed up having to reduce benefit coverage every year (i.e., skinny network, higher deductible, higher copays, etc.).

If  “yes”, then I have a few ideas for you.

In most of the conversations I’ve had with non-profit leaders, these issues never seem change…

  1. Healthcare benefits are one of your largest expense categories (after payroll)
  2. Costs are increasing 8-15% each year (exceeding annual pay raises by 400%)
  3. You feel like you’ve lost control of the entire process

In all likelihood, you probably do what 97% of other non-profits do…

  • Spreadsheet quotes every year from multiple carriers
  • Change insurance carriers every few years
  • Increase employee cost sharing amounts
  • Offset price increases by making coverage worse for employees

All of these actions are not fun, and yet 81% of the time no MAJOR changes are made that will bend your healthcare cost curve.

It’s frustrating, time consuming and stressful.

And yet, at the end of this painful process you are still…


You should and can be thrilled, but no one has showed you a better way – until now.  In fact, here’s what a prominent non-profit Executive Director said when she learned about several ways to bend their healthcare cost curve…

I am actually looking forward to open enrollment this year.


First, it’s critical that you understand the rules of health insurance.  These are the guidelines that govern how and why health insurance costs have been out of control for decades.

Show me the incentive and I’ll show you the outcome.

The entire healthcare ecosystem (hospitals, doctors, PMBs, carriers, brokers) are incentivized when your costs go up.

To make things worse, the MLR (Medical Loss Ratio) was meant to control costs, but in reality it incentivizes insurance companies to increase claims costs.

What you want are relationships and vendor partnerships that have aligned incentives.

Premiums are C.R.A.P.

Here is a simple acronym that best describes HOW your healthcare premiums are calculated; it’s called C.R.A.P. (Claims Reserves Admin Pooling).  Once you understand this “crap” you can then implement strategies to enhance your situation.

For instance, claims makes up 80% of your cost, but I’m betting no one has shared the secrets enterprise-level employers are using right now to manage, reduce or evacuate claims from their health plan.  The most common tactic used today to manage claims is to persuade your employees to eat healthy, lose weight, or shop online for the lowest MRI prices.  How is this tactic working out?


Most board members and nonprofit leaders don’t even know these rules EXIST.  In football, if you don’t know whether a first down is 5 or 10 yards, then you are playing the game at a severe disadvantage.  The same is true for healthcare spending and cost control.  If you don’t know and understand the rules you will be punished.

Because of this disadvantage, you are now at the mercy of the “system”.

The big healthcare ecosystem actually prefers you don’t understand how things work. They would rather you just take your 8% renewal and “be happy with it”.

Once you understand the Rules, you can begin to address the ROOT CAUSE of rising healthcare costs.

Identify the root cause, then you can implement the right solutions. The correct solutions will enable you to manage future costs. Now you have a chance!


We want to help non-profit organizations across the NATION. The COVID pandemic wreaked havoc on so many organizations. Especially your sector!

We are excited to offer our comprehensive Cost Modeling Analysis. No obligation or BOR letter. This will provide an unbiased overview of your plan cost, coverage and compliance.

This is what you’ll receive:

  • Cost Analysis (plus, 5 year trend projection)
  • Coverage Analysis (plus, Family Cost Ratio analysis)
  • Compliance Analysis (highlighting the 8 KEY areas to be familiar with)
  • Funding Analysis (fully insured, self-funded, RBP, consortium)
  • Deductible Analysis using the ZERO Deductible Solution
  • Plan Design Analysis with recommendations

You will receive a complete BLUEPRINT to dramatically enhance your healthcare benefits package. You can take our recommendations and implement them by yourself or with your broker.


To see if we can help you, simply COMPLETE THE SHORT QUALIFICATION FORM below.  Once we receive your submission someone from our agency will be in touch to discuss further.

  • Please enter a number greater than or equal to 5.

Thank you for spending this time together, John Millen.

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