If your renewal is handled by a large brokerage with no personal stake, or by a junior rep without the leverage to negotiate the best terms — you're the account this practice was built for. Here, your renewal stops being a letter you accept and starts being a number you negotiate.
Request a free plan review or read the field guide first
An open calendar, my direct number, my email. When something comes up, you call the same person who set up your benefits.
I don't just pass along carrier quotes. I push for better terms through direct relationships with account executives — benefit design, network access, PBM pass-through rebates, wellness allowances, and rate guarantees are all on the table.
Fully-insured, self-funded, level-funded, or ICHRA — contrasted side by side, in plain English. Depending on your group's size, risk tolerance, and savings goals, you'll see a full breakdown of your options and choose what actually fits.
This practice is built on trust, not transactions. If your current plan is the right one, I'll say so. A review costs nothing, obligates you to less — and could still change what you pay next year.
Raise the deductible, shift cost to employees, narrow the network — all feel like losing and none of it addresses what's driving the increase. A review before you sign shows what the letter doesn't.
Review my renewalCovering the team properly could cost less than a round of raises — while working as a retention lever with real tax advantages.
Price it for my teamBundled admin and fees that don't shrink as your headcount grows. It may be time to shop the market directly — it's worth knowing what that saves.
See what direct coverage costs"Most employers don't have a healthcare cost problem. They have an advisor problem — and every year they accept the renewal, they fund someone else's profit instead of their own."Your Health Plan Is a Profit Lever · Bruno Nascimento
Most employers sign their second-largest expense after one 45-minute renewal call a year. This is the slower, better conversation.
A renewal letter is enough. I'll build the census from whatever format your payroll already produces — the carriers' paperwork is my problem, not yours.
Quotes from the major carriers, then direct negotiations with senior account executives. Benefit design, pharmacy terms, and network access are all on the table.
The same structures, contrasted side by side against your actual numbers — not a sales pitch, a spreadsheet. If staying put is the right answer, I'll tell you that too.
A field guide for growing companies: how the renewal trap works, where your plan dollars leak, and the three-step path to a plan that pays for itself.
Find out why businesses across the country trust me with their insurance needs.
He was very knowledgeable about Medicare supplements and gave all options available for my needs. I felt he had my best interest in getting the best plan based on my needs. Didn’t take long to apply.
Mel K. · Northbrook, ILBruno is an honest, thorough, patient and competent agent helping with insurance needs. He has been in the business for years and this puts my mind at ease.
Amanda P. · Venice, CAGreat experience. Happy with the rate and experience. After requesting more information, received and email with contact information. Called Bruno and he helped with findings plan that fit my needs. Easy and fast. Thank you!
Char K. · Houston, TXBruno was very helpful in securing health insurance for both my wife and I as we moved to a new state and and needed all-new medical plans both regular and Medicare supplement. We were very happy with his service and follow-up.
Gus W. · Santa Fe, NMNo pitch, no obligation — a real look at your plan, what's working, what's not, and straight answers to your questions.
Groups can switch brokers anytime throughout the year, not just at renewal. Signing an Agent of Record (AOR) form is all it takes — nothing else changes.
No — carriers typically credit what's already been paid toward the deductible, so employees don't start over partway through the year.
At least 90 days before your renewal, when there's still time to build leverage instead of reacting to a spreadsheet under deadline.
Me — on the review, at the renewal, and when something goes wrong with a claim. The team behind me handles the paperwork, never the relationship.
Broker compensation is built into your premium whether or not your broker works for it. Working with me adds no fee — it changes who's doing the work.
Stop-loss insurance caps your exposure on any single claim and on the year as a whole. Over a third of covered employees at small companies are now on level-funded plans. I quote it beside fully-insured so the comparison is numbers, not adjectives.
27 states. If yours isn't one of them, I'll tell you plainly — and point you to a broker I trust.
Where the money is leaking, what's recoverable, and what a better structure could look like. No obligation. Just clarity.
Request sent. Bruno will get back to you within one business day.