Healthcare Cost Containment
The Brutal Reality of Healthcare in America

You pay more – but you’re satisfied less.
What kind of a raw deal is that? Most employees are unhappy with their healthcare. In the last 10 years, employee contributions for family coverage have risen 40%. The average deductible is $3,700. About 40% of employees can’t afford a $400 unexpected business expense.
Employees are frustrated:
- There’s a disconnect between cost and quality.
- They have no easy way to find the best doctors and hospitals.
- The medical system is impossible to navigate.
Nobody’s happy – everyone’s concerned.

Better Benefits Make Happy Employees Who Stay and Succeed
Employees who are satisfied with their healthcare are twice as likely to stay on the team. 81% of employees who are satisfied with their healthcare say they’ll stay, compared to 43% of employees generally, according to a 2022 LIMRA BEAT survey. Employee turnover costs American businesses $1 trillion every year.
Great healthcare improves retention and lowers employee turnover, saving company hundreds of thousands of dollars every year.
So, why aren’t we doing anything about it?
Many employers feel stuck.
The system seems too complex.
Companies lack data to compare options.
There is a deliberate lack of transparency.
Employers are forced to focus on the short-term crisis.
Small to midsize firms feel they lack scale or the power to negotiate.
Misaligned incentives – traditional insurance companies increase costs to increase profit, at your expense.
Traditional insurance companies don’t represent employers’ best interests.
Worse, the system doesn’t want you to change.
Healthcare Cost Containment Services (HCCS), is a benefits advisory firm, specializing in controlling and reducing employer and employee healthcare costs by using a self-funded managed captive medical plan and other services.
After a career as a Certified Financial Planner (CFP), our owner, Nick Chambers, decided to come out of retirement to help small and mid-sized companies solve this healthcare cost crisis.
The Problem
Key issues with employer healthcare costs:
High premium increases:
The cost of employer-sponsored health insurance plans is consistently increasing at a faster rate than wages, putting a significant financial burden on both employers and employees.
Shifting costs to employees:
To manage costs, employers often increase deductibles and cost-sharing mechanisms, which means employees are responsible for a larger portion of their healthcare expenses.
High-deductible health plans (HDHPs):
The prevalence of HDHPs forces employees to pay a significant amount out-of-pocket before their insurance coverage kicks in, potentially deterring them from seeking necessary care.
Limited plan options:
Employees may have limited choices in their employer-sponsored health plans, which could not adequately meet their individual healthcare needs.
Impact on small businesses:
Smaller companies often face even higher healthcare costs per employee, making it challenging to offer competitive benefits.
Factors contributing to rising employer healthcare costs:
Rising cost of medical technology and treatments:
Advancements in healthcare technology can lead to more expensive procedures and medications.
Aging population:
As the population ages, the demand for more expensive healthcare services increases.
Chronic disease management:
The prevalence of chronic diseases like diabetes and heart disease requires ongoing and costly treatments.
Administrative costs:
The complex system of managing healthcare plans can lead to high administrative costs.
As a corporate executive, please request access to the following reports.
The-CFOs-Guide-to-Managing-Escalating-Healthcare-Costs
As a CFO, naturally your main responsibility is to protect your company’s financial health, with a strong focus on cutting costs.
Essential-Guide-to-Selffunding-for-HR-Execs
How-to-Use-Your-Claims-Data-to-Contain-Costs
Cost savings is important to every business owner, especially when it comes to your health insurance plan — one of your three most costly business expenses.
Strategies-to-Contain-the-Rising-Costs-of-Pharmacy
As of 2019, the U.S. is spending just over $369 Billion per year on prescription drugs. This is more than any other high-income country in the world.
Behavioral-and-Mental-Health-Cost-Containment-Strategies
Urgent-Care-Cost-Containment-Strategies
The use of urgent care centers is on the rise in America. Largely due to the COVID-19 pandemic, urgent care visits increased 58% in 2020, with about 28 million people receiving services.
What-Your-Fully-Insured-Insurance-Carrier-Doesnt-Want-You-to-Know
Health insurance is one of the most significant company expenses. For small businesses, finding affordable small business health insurance is almost impossible. Traditional, fully insured carriers don’t have the flexibility to allow small businesses to get employee health benefits at a price they can afford.
Your Personal Advisor, Nick Chambers
