Show the comparison, not a recommendation in a vacuum.
We run the market and the funding models and show you the comparison, not a recommendation in a vacuum.
Options side by side.
What Happens In This Step
We request quotes from carriers and model funding structures on the same census.
We compare cost, network, plan design and risk, including the cases where nothing beats the renewal.
What You Get From It
A comparison you can put in front of your team with the trade-offs written plainly.
You see what each option costs and what each puts at risk.
What this step needs and produces.
What We Need
Approval to approach carriers and any claims data you can share.
What We Do
We run the market and the models.
What You Get
A written comparison of every option.
Questions on this topic.
Short answers for agency owners.
Will you contact our current carrier?
We coordinate with you on how and when, since timing matters.
What if the renewal is the best option?
We say so. Not every market test produces savings.
How many carriers do you approach?
It depends on your size, county and funding. We tell you who responded and who declined.
General information, not legal or tax advice. Confirm the rules that apply to your agency with your attorney or tax advisor.
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.
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. →
Cookies on This Site
We use cookies to keep the site working properly and to understand how it is used. You can decline anything that is not essential. See our Privacy Policy for the detail.
- Essential — needed for the site to load and for you to move around it. These cannot be switched off.
- Analytics — tell us which pages get read, so we know what is worth writing more of.
- Advertising — set by third parties such as ad and social platforms to measure and target campaigns.