Before you walk into any other room in this Stadium, you need to understand the game you're actually in.
Welcome to The Truth Room. No sales pitch. No sugarcoat. The system gets named. The carriers get named. The status quo brokers get named. This is the room where the truth gets told — out loud, on the record, without a hedge.
The Truth
The group health plan is the second-largest line on your P&L — and the one nobody has been telling you the truth about for fifteen years.
No client data in this room. Just the truth about the game.
The game is rigged. Tell it like it is.
You walked into a stadium thinking you were buying health insurance. You weren't. You were buying a financial product wrapped in a medical wrapper, sold by a sales force trained to make you feel like a fixed cost is a law of physics.
Every renewal cycle, you got a number. You negotiated the number. You signed the number. And the number went up. Year after year. Because the game is designed so the number goes up.
Nobody at the carrier loses if your renewal is brutal. Nobody at the BUCA shop loses sleep over your trend. And until tonight, nobody told you that out loud.
Four truths. No commentary. No spin.
I'll lay out four truths about the game. You decide whether to keep playing it the way you've been playing it.
-
The Players on the Field
The carrier. The PBM. The TPA. The broker. The reinsurer. Five players are in your transaction, and four of them are paid based on a percentage of the number going up — not down.
-
What Your Broker Isn't Telling You
The CAA mandates disclosure of broker compensation. Your broker is legally required to provide it on request. Most owners have never asked. Most brokers have never voluntarily offered. That silence is the deal.
-
Why Renewals Go Up
Renewals don't go up because medicine got more expensive last year. They go up because the system is designed to compound. Trend assumptions, network deals, rebate structures, contract terms — every one is a lever, and none of them are pulled in your favor by default.
-
Why This Matters to Your Business
When you sell, recap, refinance, or hand it down — the plan trend gets audited. Four points above industry average can cost you eight hundred thousand at the closing table on a single transaction. That number isn't theoretical. That's a deal that closed last quarter.
I'm not here to motivate you. I'm here to tell you the truth. What you do with it is up to you. But you cannot un-hear what gets said in this room.
— The Truth Room · Dynasty Stadium
Don built this stadium for one reason.
Don Canada watched too many SMB owners — 25 to 250 employees — get fleeced by a system they didn't have the time or the tools to interrogate. So he built a stadium. Twelve rooms. Each one a coach. Each coach a piece of the truth.
This room is free. It's content-only. No client data lives here. You walk in. You hear the truth. You decide.
If you want to see your own numbers — your own scoreboard, named waste, dollar amounts — that's Room 202, The Strategy War Room. That's the next door. But you don't walk through it until you've stood in this one.
The Verdict
Tell it like it is. The truth doesn't care whether you're ready to hear it. But once you've heard it, you cannot pretend you didn't.