Group medical insurance forWashington employers.

Most group plans drift because nobody re-markets them.

The common pattern is this: a plan gets placed once, renewals arrive each year with a percentage increase and no alternative, and nobody shops it because shopping it is work. Three years later the employer is paying well above market for a plan their staff do not particularly like.

Marketing a renewal properly means going to multiple carriers, comparing network adequacy as well as price, and modelling what actually changes for employees rather than just the premium line. In South King County that network question is real, because the major Puget Sound systems are not in every network.

Start about ninety days before your renewal date. Earlier than that and carriers will not quote; later and there is no time to do it properly.

• Renewal marketed across carriers, not rubber-stamped
• Network checked against where your people actually go
• Contribution strategy modelled, not guessed
• Enrollment support in English and Spanish
• Compliance guidance on notices and filings