This year’s numbers, kept in a form next year’s renewal can be tested against.
A baseline in one place, in your name, with the sources attached.
The facts a renewal turns on.
Nothing more than is needed.
The Rates and Contributions
By plan and tier, as quoted and as final.
The Terms
Rate guarantees, credits and conditions, in the carrier’s words.
The Census Behind Them
The counts the rates were built on, held at a named date.
Three jobs.
Each is hard to do without it.
Testing the Next Ask
Comparing a new increase to a documented starting point.
Explaining the Year
Answering how the number got here, with dates.
Making the Case
Giving a board, an owner or a CFO something on paper.
Updated as the year moves.
A baseline is a living record until the next renewal.
Mid-Year Changes
Adds, terminations and plan changes noted with dates.
Large Claims
Recorded when they occur, so their treatment can be reviewed.
The Next Renewal
Added to the record as it is received.
Questions that come up.
Short answers to the questions we hear most. Each links to the full page.
What is included in the baseline record you keep for us?
The record holds rates and contributions by plan and tier, the carrier’s terms such as rate guarantees, credits, and conditions, and the census behind the rates, held at a named date. Together they give you a documented starting point for the next renewal.
How would we use a baseline record when the next increase arrives?
You can test the new increase against a documented starting point, explain how the current number was reached, and give a board, owner, or CFO written support. It keeps the conversation tied to recorded facts instead of recollection.
Does the baseline record stay current during the plan year?
Yes. We update it through the year for mid-year changes, large claims, and the next renewal as it is received. That way the record reflects what actually happened to your plan, not just the position on the day it began.
Ready? Send us your renewal, or talk it through with someone first. No cost, no obligation.
General information, not legal or tax advice. Plan-specific questions belong with the plan documents, the carrier and counsel.
Send us your renewal.
We’ll tell you whether it looks competitive, where we see opportunity, and the five questions we’d put to your carrier. No cost, and no obligation to move anything.
The renewal letter
Your current plan summary
Contribution split by tier
Enrolled counts by tier
Four documents — two more if your group is 50 or more. Nothing else; every extra one is a reason to postpone.
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