As the US healthcare system continues to see increasing healthcare costs, health insurance brokers are facing challenges in obtaining new clients and retaining clients that they already have in their portfolio. Brokers need options, support and new alternatives within their client offerings to succeed and grow.
Broker challenges
In a complex health insurance system brokers need to innovate and adapt their strategies to overcome the hurdles and amplify their service offerings effectively.
Increasing healthcare costs
Every year we see healthcare costs for businesses giving their employees healthcare and individuals rising making it challenging for insurance brokers to sell to their clients. As brokers try to offer comprehensive insurance to their clients, ensuring the benefits are affordable without compromising the quality is difficult.
Customer satisfaction
Clients are looking for simplicity of plans and transparency in prices. They want resolutions to problems, communication that is clear and ensure the quality of service they receive is not compromised. Meeting these expectations is necessary for brokers if they want to retain and attract new clients.
New technology
There are numerous health tech firms entering the market and as insurance companies start integrating new services, brokers need to stay up to date on these new systems. Small businesses may find integrating new technologies difficult and complex. Brokers need to be careful not to overwhelm their clients.
Operational
Businesses continue to tackle operational challenges like billing, underwriting, and limited options for new and alternative offerings limit the brokers efficiency. When brokers are able to address these issues they are able to differentiate themselves in the market.
Offering alternative plans
To overcome these challenges and enhance client offerings, brokers need to adopt strategic measures that improve their overall service quality.
Personalize Services and Communication
At a time when healthcare costs are skyrocketing and the economic turbulence is causing businesses to pause spend and lower their budgets, brokers play an essential role in the growth and success of small and mid sized businesses. They need to provide personalized and custom communication with healthcare options that they can afford while attracting and retaining the talent they may need.
Simplify policies
Simplifying policies and ensuring transparent pricing is crucial for client retention. Business owners are trying to reduce costs ion 2025 amidst a complex and unstable politico-economic situation. Clients need simple language so they can understand their policies fully, without the need of legal and HR departments. This means using clear, straightforward language and explaining any complex terms.
Alternative options
Healthcare costs are continuing to rise and companies in most cases have no insight into how medical insurance is being used by their employees. This means they maybe spending more without giving employees the value they need from their healthcare benefits.
Companies like Vativis, offer medical discount plans as an alternative to health insurance.
Think of a discount plan as your everyday health tool, working alongside catastrophic or emergency coverage — not in place of it.
Discount plans can work in different ways for businesses. Costing 15-50% less than traditional insurance they can be offered as the primary healthcare option or combined with catastrophic care to create a hybrid model for employees. This creates comprehensive coverage while keeping costs low.
Vativis discount plans are not insurance—its an affordable healthcare solution designed to meet real-world needs.
From primary care and dental to mental health and prescription discounts, employees choose what they need—when they need it.
For brokers, it’s a flexible, plug-and-play option that fills the gaps and adds real value—without the red tape.