What should I send CFH to review my renewal?
Four documents: the renewal letter, the plan summary, the contribution split by tier and the enrolled counts by tier.
We come back with a competitive read and the questions we would put to your carrier. Send us your renewal and we will give you a second opinion in writing.
What each document tells us.
The renewal letter
Shows the carrier’s requested rate and what drives it.
The plan summary
Shows what the benefits actually are, so a rate change can be compared like for like.
Contribution and counts by tier
Show what you pay, what employees pay and how many people sit in each tier, which is how we test the renewal against alternatives.
Keep reading.
HealthCare.gov premiums rise again in 2027
What the 2027 marketplace increases mean for an employer plan. Back to the marketplace page.
Keep reading on 2027 marketplace premiums.
Where these figures and rules come from.
Figures and rules
The review is a no-cost second opinion with findings in writing and no obligation to switch brokers. This page is general information, not legal or tax advice.
Send us your renewal.
Four documents — the renewal letter, the plan summary, the contribution split by tier and enrolled counts by tier. We’ll come back with a competitive read, where we see opportunity, and the five questions we’d put to your carrier.
An independent employee benefits consulting firm. We look at the entire benefits program — cost, plan performance, risk and administration.
Switch to CFH. Unhappy with your broker? Your employees won’t notice. You will. →
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