Sustainable Healthcare: Future-Proofing Your Business Against Rising Costs with Chris McIlroy

Send us Fan MailIn this episode of The Moss HR Minute, Nicole Moss, Co-Founder of Moss Consulting HR Services, sits down with Chris McIlroy, Owner of McIlroy Insurance Group. Filmed in Houston—one of the country’s fastest-growing and most competitive business markets—this conversation addresses the "new norm" of skyrocketing insurance premiums and rising deductibles that are squeezing both employers and employees.Chris explains why simply increasing deductibles is a "band-aid" strategy that savvy employees can see right through. He shares how level-funded approaches and the use of underwriting data can actually drive down risk and lower premiums. The discussion highlights the critical difference between a broker who merely quotes rates and a strategic partner who builds a long-term roadmap for growth.Key topics discussed in this episode include:- The 90-Day Renewal Strategy: Why you should never just "accept" a renewal and how to use tier-one claims data to fight for lower rates.- Benefits as a Talent Magnet: Using a broad and affordable benefits package to turn a job into a career and attract key employees from competitors.- The Education Gap: How poor benefits communication costs businesses money and why your broker should be teaching employees about deductibles and networks in a common-sense way.- Compliance and Long-Term Strategy: Navigating ERISA, Section 125, COBRA, and state continuation to protect the company from hidden risks.- The Sustainability Shift: How to leverage health wellness and younger employee participation to stabilize rates over the next 5 to 10 years.Chris provides a roadmap for business owners to transform benefits from a stressful expense into a strategic financial and recruiting tool—all explained within one Moss Minute.Contact Moss Consulting Book time with Nicole to talk about your HR needs: https://mossconsulting.com/book-a-free-consultationLearn more about Moss Consulting HR Services: www.mossconsulting.comFollow the show@TheMossHRMinute