---
title: Ep. 13 - Health Insurance Myths That Are Costing You Money
description: Bust common health insurance myths, learn renewal questions to ask your broker, and discover cost-saving strategies for your business. Listen here.
---

[RMC Podcasts ](https://rmcgp.com/rmc-podcasts)

# [Ep. 13 - Health Insurance Myths That Are Costing You Money](https://rmcgp.com/rmc-podcasts/ep.-13-health-insurance-myths-that-are-costing-you-money)

 Written by [RMC Group](https://rmcgp.com/rmc-podcasts/author/rmc-group) | Sep 3, 2025 4:15:00 PM

Health insurance is one of the biggest expenses—and biggest headaches—for business owners. But are you making decisions based on facts, or falling for common myths that are costing you money? In this episode of *The Legacy Lab*, Ashley and Megan sit down with health insurance professional Jessie Millhouse to bust five costly myths. They share the key questions you should be asking your broker at renewal, and give you practical strategies to save money *and* keep employees happy. Whether you’re a small business owner, HR leader, or anyone involved in employee benefits, this episode will help you take control of your health insurance strategy.

[➡️ Listen on Apple Podcast](https://podcasts.apple.com/us/podcast/the-legacy-lab/id1789614291)

[➡️ Listen on Spotify](https://open.spotify.com/show/3EwIWWVBssxAnW3qu5kPPZ?si=7913bf1d20bd49d5)

 

## Key Takeaways

- **The cheapest premium isn’t always the best plan**—look at total cost, coverage, and employee satisfaction.
- **Not all PPOs or HMOs are equal**—dig into network adequacy, referrals, and coverage details.
- **You don’t have to stay with the same carrier**—with proper onboarding, switching can reduce costs and improve benefits.
- **Employee silence ≠ employee satisfaction**—use surveys and feedback during open enrollment.
- **Small businesses have leverage too**—creative strategies like level-funded plans and bundling benefits can unlock big savings.
- **At renewal, ask tough questions**—about claims drivers, benchmarking, funding options, and communication clarity.
- **Timing matters**—start planning 60–90 days before renewal to explore options without rushing.

 

## Additional Resources

- **Schedule a Consultation with Jessie** >> [schedule here](https://meetings.hubspot.com/jessie-millhouse)
- **RMC Blog **>>** **[Questions to Ask Your Broker at Renewal](https://rmcgp.com/blog/5-health-insurance-myths-that-are-costing-your-business-money)<https://rmcgp.com/blog/5-health-insurance-myths-that-are-costing-your-business-money>
- [Contact RMC Group](https://rmcgp.com/contact-us)
- Follow us on social networks at @rmcgp on [LinkedIn](https://www.linkedin.com/company/rmc-group), [Facebook](https://www.facebook.com/rmcgp) and [Instagram](https://www.instagram.com/rmcgp/)

 

*The information provided in this podcast is for informational purposes only and does not constitute legal, financial, or professional advice. RMC Group recommends consulting with qualified professionals regarding your specific needs and circumstances.*

 

[View full post](https://rmcgp.com/rmc-podcasts/ep.-13-health-insurance-myths-that-are-costing-you-money)

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