20 Proven Strategies to Lower Your Healthcare Spend—Without Cutting Coverage

You’re probably overpaying for health insurance—and not getting nearly enough in return.

Most employers stick with the fully insured model because it's familiar. But what they don’t see are the 20 smarter strategies that can lower costs, increase transparency, and give them real control.

This free guide breaks it all down—no fluff, no filler, just real tactics that are working right now.

What’s Inside the Guide:

✅ 20 field-tested strategies to cut costs without reducing benefits
✅ Why “shopping your renewal” once a year is not a strategy
✅ How to break free from carrier-owned networks, TPAs, and PBMs
✅ Smarter ways to manage risk: level-funding, captives, reference-based pricing, and more
✅ Solutions that work—even for groups as small as 5 employees


Who This Is For:

  • Business owners tired of writing blank checks to insurance carriers

  • CFOs looking for real cost control—not just spreadsheet games

  • HR leaders ready to ditch the frustration of cookie-cutter renewals

  • Anyone who knows there's a better way… but hasn’t seen how to do it yet

Why It Matters:

Your health plan is probably your second or third biggest expense.
Would you spend six figures anywhere else without knowing exactly where the money goes?

This guide gives you the clarity to see through the noise—and the strategies to finally do something about it.

Download this free guide today and learn the tactics that companies are using to lower their health insurance costs.

No fluff. No gimmicks. Just 20 practical ways to get control of your health plan—and your bottom line.

WE TOOK THE BS OUT OF BENEFITS FOR THESE COMPANIES

Take it from our customers

I highly recommend Rich at Benesmart for his dedication to educating our employees about health insurance, providing innovative solutions to control costs, and offering zero-cost benefits for critical healthcare services.

Blake Baumgarte

Partner, BEK Moving

Benesmart's innovative solutions and expertise have allowed us to provide high-quality benefits without sacrificing our financial goals.

Jon Rankin

Principal, Core Properties