A Different Kind of Health Plan Advisor
Most employers have been taught to expect annual increases, reduced options, and little control. Primum was built on a different model — one centered on transparency, alignment, and smarter long-term strategy.
Fee-Only Advice
We are paid by our clients, not by carriers, vendors, or hidden incentives.
Transparent Compensation
You should always know what you are paying for and how your advisor is compensated.
Fiduciary Perspective
Health plan decisions affect both company profitability and employee financial wellbeing. ERISA compliance is critical.
Proven Experience
Our team brings senior-level experience from both the carrier side and the provider side of healthcare.
We Don’t Sell Policies. We Solve Business Problems.
Primum Risk Strategies is a fee-only firm. We do not accept commissions or remuneration from insurance carriers, ancillary benefits companies, or service vendors. That means our advice is designed to serve your business — not a sales model. We help employers look beyond renewal season and manage their health plan like the major business expense it is.
If Your Broker Profits When You Spend More, That’s Not Alignment.
Every premium dollar comes from somewhere — your company’s profitability and your employees’ paychecks. That is why health plan decisions deserve a higher standard of accountability. Primum’s model is built around clear compensation, transparent advice, and alignment with the employer’s interests.
Aligned. Transparent. Accountable.
Do You Know Your Health Plan Fiduciary Obligations?
Employers have growing responsibility when it comes to health plan oversight, documentation, and decision-making. Whether your plan is fully insured or self-funded, large or small, the liability remains with the employer. Primum helps organizations better understand that responsibility and build a more defensible, more transparent strategy around it.
Stop Guessing at Next Year’s Health Spend
Most employers are asked to react to rising costs after the fact. We help employers take a more proactive approach by identifying future risk, understanding cost drivers, and evaluating plan strategy before renewal pressure takes over. Better forecasting leads to better decisions.
A Distinctive Combination of Benefits and Healthcare Expertise
Primum brings together two perspectives employers rarely get in one advisory relationship: deep employee benefits leadership and real-world healthcare operations experience.
Terry Shook brings decades of employee benefits experience, including leadership roles with a major health insurance carrier. Don Daniels brings decades of healthcare operations leadership, including executive responsibility inside complex provider systems. Together, they help employers better understand both how healthcare is financed and how it is delivered.
See the Industry Differently
Explore articles and educational content on health plan cost trends, fiduciary responsibility, transparency, and the forces driving employer health plan spend.
Ready to Take a Fresh Look at Your Health Plan?
If your organization is tired of treating annual increases as inevitable, let’s start a conversation. We’ll help you evaluate whether there is a better path forward for your health plan, your business, and your employees.