2027 Renewal Season Prep with Imagine360 - LIVE!

This episode was recorded live on LinkedIn with Bill Dembereckyj, CFO of Imagine360, and it's a look at renewal season from the seat that ultimately signs off on it. Bill walks through three real cases: a 250-life senior living facility staring at a 50% increase, an 85-life restaurant group facing a $450,000 jump, and a 140-life private school looking at 60%. We get into why CFOs are being brought in far too late, why Bill started his own plan renewal in Q1, and what happens when finance only gets handed the result and asked to bless it. Audience questions from the live cover captives with RBP, whether stripping the network hurts steerage, and what happens when a member needs care somewhere you're not contracted. If you want to be more useful to the CFO in the room this renewal season, this is the episode. Tune in. "You've taken away all my other strategic choices. Now the only lever I have left is how much employees pay versus how much the company pays." — Bill Dembereckyj, CPA Thank you to our 2026 sponsors! ParetoHealth: ParetoHealth empowers midsize employers with a long-term solution to reduce volatility and lower overall health benefits costs. Visit https://www.paretohealth.com/fully-insured-vs-self-funding-with-paretohealth-spencer-podcast/?utm_source=youtube&utm_medium=referral&utm_campaign=SelfFundedwSpencer to learn more. Samaritan Fund: A program that connects those who need help to the support they need. We are proud to offer the Samaritan Fund Program. Visit SamaritanFundProgram.com to learn more. Vālenz Health: We're Vālenz Health, your partner in improving health literacy, reducing plan spend, and delivering high-value healthcare. Visit ValenzHealth.com to learn more. Imagine360: Imagine360 helps self-funded employers save on healthcare with smarter health plans. Cut expenses by 20-30% with custom solutions. Contact us today at Imagine360.com. Chapters: (00:00:00) Intro: What Is Imagine360 and What Is RBP? (00:02:56) The CFO's Role in the Renewal (00:04:35) The Bias Toward Procrastination (00:08:13) Balancing HR, Finance, and the CEO (00:09:36) Audience Question: Captives, RBP, and Cash Pay (00:13:40) Case One: Senior Living, 250 Lives, 50% Renewal (00:18:30) Fixed Budgets and the Fear of Maximum Exposure (00:21:09) Case Two: Restaurant Group, 85 Lives, 60% Renewal (00:24:19) What Healthcare Inefficiency Does to Company Value (00:28:31) Don't Pull Every Lever at Once (00:29:50) Audience Question: Does RBP Hurt Steerage? (00:33:08) Pharmacy: The $400,000 Rebate Nobody Saw (00:38:13) Case Three: Private School, 140 Lives, 60% Renewal (00:43:24) What Bill Wants From Consultants (00:49:09) Give Your Broker Some Grace (00:52:16) Closing Thoughts Key Links for Social: @SelfFunded on YouTube for video versions of the podcast and much more - https://www.youtube.com/@SelfFunded Listen/watch on Spotify - https://open.spotify.com/show/1TjmrMrkIj0qSmlwAIevKA?si=068a389925474f02 Listen on Apple Podcasts - https://podcasts.apple.com/us/podcast/self-funded-with-spencer/id1566182286 Follow Spencer on LinkedIn - https://www.linkedin.com/in/spencer-smith-self-funded/ Follow Spencer on Instagram - https://www.instagram.com/selffundedwithspencer/