David Vudragovich, Founder of AgentDavidCares.com
Group health insurance renewal season arrives the same way every year — with a letter showing a double-digit percentage increase and a signature line at the bottom.
For most small business employers, that letter represents one of the largest controllable expenses in their operation. According to the Kaiser Family Foundation 2025 Employer Health Benefits Survey, employers pay an average of 84 percent of single coverage premiums and 74 percent of family coverage premiums nationally.
David Vudragovich, independent group benefits advisor and founder of AgentDavidCares.com, works with employers nationwide who already have group health insurance and 10 or more employees.
"Most employers sign their renewal without knowing they have options," said David Vudragovich of AgentDavidCares.com. "Going directly to a single carrier limits your choices. An independent group benefits advisor works with multiple carriers and multiple products — which means the recommendation is built around what fits the group, not what fits the carrier's portfolio."
Research from Gallup found that engaged employees require a 31 percent pay increase before they will seriously consider leaving a job they value. When group health insurance renewal increases are passed to employees through higher payroll deductions, effective take-home pay decreases — moving employee retention in the wrong direction without showing up on any HR report until someone puts in their notice.
David Vudragovich structures group benefits differently than most agents in the industry. By combining a wellness plan, Medical Balance Protection™, and a group health insurance plan — using level funded health plans where appropriate — employers typically reduce their monthly benefit expenses without reducing coverage for their workforce.
Medical Balance Protection™ pays directly to the medical provider when an employee faces a large out-of-pocket balance after insurance pays its share. This reduces financial stress on employees and their families — which research consistently links to improved workplace productivity and reduced turnover.
"The renewal letter is coming regardless," said David Vudragovich. "The question is whether the group health insurance plan in place is working as hard as it can for the people it is supposed to protect. In many cases, small business employers are paying for coverage that does not fit their workforce — and nobody has told them," added Vudragovich.
Select carriers represented by AgentDavidCares.com also provide a Human Resource Information System at no additional charge for qualifying groups — a tool companies typically purchase separately for thousands of dollars per year.
David Vudragovich is a licensed independent group benefits advisor serving employers nationwide. He is paid by the carrier, meaning there is no additional cost to the employer for his services.
About AgentDavidCares.com
AgentDavidCares.com is an independent group benefits advisory practice founded by David Vudragovich, a licensed independent group benefits advisor serving small business employers with 10 or more employees nationwide. Specializing in group health insurance renewal strategy, level funded health plans, Medical Balance Protection™, wellness plans, and employee benefits restructuring, AgentDavidCares.com helps employers reduce benefit expenses without reducing employee coverage. David Vudragovich has been a licensed insurance agent since 2007, with a growing focus on employer group benefits strategy since 2016, and transitioned exclusively to group benefits for employers with 10 or more employees in early 2025
For more information, please visit:
AgentDavidCares - Group Employer
AgentDavidCares - Referral Partners
AgentDavidCares - Group Benefit Insights
Media Contact
Company Name: AgentDavidCares.com
Contact Person: David Vudragovich
Email: Send Email
Phone: 8658065837
Address:PO Box 61 Pikeville, TN, 37367
City: Pikeville
State: Tennessee, 37367
Country: United States
Website: https://agentdavidcares.com/
