10/13/2026
Got a group health plan renewing January 1st, or sometime in the first quarter? 📅
A lot of employers open their renewal, see the increase, and assume they’re stuck with it. You’re not. Renewing as-is with the same carrier is just one option.
Here’s what’s worth a look before you sign:
✅ Comparing other carriers in the market
✅ Adjusting plan designs to balance cost and coverage
✅ Exploring level-funded plans, which a lot of small and mid-size groups don’t realize they qualify for
With a level-funded plan, you still pay a predictable monthly amount, but if your group’s claims come in lower than expected, you may get money back at the end of the year. You also get access to claims data that fully insured plans usually don’t share, which makes future renewals easier to plan for.
It’s not the right fit for every group, but it’s worth knowing whether it’s right for yours. The earlier we start, the more options you have.
Reach out anytime: 309-661-2049 or [email protected]