Renewal movement
Give me the prior and renewal medical-plan amounts.
Group Health Renewal Check
Before you compare alternatives, understand the renewal you already have.
I do not want to start by assuming another carrier, another funding arrangement or another benefits structure is better. I want to know what your current renewal is actually doing first.
I will work through the renewal and enrollment figures, then show you what I would verify before deciding which options are worth evaluating.
A different option only matters if it solves the actual problem.
Fully insured, level-funded, self-funded, PEO and other structures solve different problems. The first step is identifying what changed in the current arrangement without assuming the answer in advance.
- The renewal has created enough pressure to consider alternatives.
- The current numbers have not yet been separated into enrollment and average-cost movement.
- The right next path depends on what the renewal actually shows.
What I will establish first
I want to understand the existing renewal before I compare structures or markets.
Enrollment movement
Give me the enrolled employee count for both periods.
Funding arrangement
Tell me whether the plan is fully insured, level funded, self funded, through a PEO or master plan, or if you are not sure.
You will have a better starting point for comparing alternatives
I will show you what the current numbers establish, what they do not establish, and what I would need to verify before deciding which solution paths deserve attention.