Send us a textDo you know what your health insurance broker actually does? Most small business owners assume their broker simply shops for the cheapest rates, but that's just skimming the surface of what a true strategic benefits advisor should provide.Alice Rhodes from AUI breaks down this misunderstood role, revealing that for businesses with fewer than 50 employees, benefits aren't just about price—they're about protection, retention, and compliance. A great broker doesn't just deliver quotes; they develop game plans tailored to your specific business needs, navigating the complex world of insurance options to find solutions that are relevant, cost-effective, and actually work.Northeast Ohio businesses have a distinct advantage with nine carriers offering various products including MIWAs (Multiple Employer Welfare Arrangements), level-funded plans, self-funded options, and captives. This competitive landscape creates opportunities that aren't available in many other regions, but it also requires knowledgeable guidance to navigate effectively. What separates good brokers from great ones? Great brokers take time to understand your business structure, employee needs, and ask critical questions that others might miss—like whether common ownership across multiple businesses could allow you to combine entities for better purchasing power.The "set it and forget it" approach to insurance is dangerous. Benefits aren't static—legislative changes occur, workforce demographics shift, and compliance issues arise throughout the year. If you only speak with your broker during renewal season, you're missing crucial support. True broker partners check in regularly, assist with claims issues, help with new hires, and educate your team about effectively using their benefits. This education piece is vital, as employees who understand how to be smart healthcare consumers (like knowing when to use independent labs instead of hospitals for testing) can save hundreds of dollars while helping keep overall plan costs down.Ready to evaluate your current broker relationship? Ask yourself: When was the last time you saw them? Have they helped with claim problems? Do they educate your team? Do you even know their name? The best business leaders don't just react—they plan proactively. Reach out to us at AUI to discover what a true strategic benefits partnership looks like.🎙️ Connect with Chrissy Myers and discover how resilience, expertise, and community can transform your world: 🔗 Follow Chrissy on LinkedIn for behind-the-scenes insights, leadership tips, and updates on her journey as the CEO of two thriving businesses. 📘 Grab your copy of 'Reluctantly Resilient' to learn how Chrissy turned challenges into opportunities and how you can do the same in your life and business. 🤝 Explore Clarity HR and discover how Chrissy’s team simplifies HR for small businesses, giving you peace of mind to focus on what matters most. 💼 Visit AUI to see how Chrissy's employee benefits expertise can help you build a healthier, happier workforce.

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