For companies holding a renewal letter
The renewal letter isn't the market.
It's one carrier pricing your group's claims history. The actual market — every plan filed in your county, priced from government filings — is checkable before you sign. Free, in seconds, from the census you already have.
And if keeping your plan wins, we'll say so — with the math shown.
Why the number keeps climbing.
Why the number climbs
Small-group plans are experience-rated in practice: your group's claims year feeds your next price. One expensive diagnosis, one bad year — the renewal remembers, and you can't shop your way out of your own history inside the group market.
What the letter doesn't show you
The individual market next door is community-rated: plans are priced by county, age, and tier from public filings — never by your team's claims. Your renewal letter prices your history. The filings price the market.
The alternative, precisely
An ICHRA replaces the group bill with a fixed monthly allowance you control. Each employee picks from every plan filed in their county; reimbursement runs tax-free through your payroll. Your renewal letter becomes a number you set.
The full comparison, dimension by dimension: ICHRA vs. the group plan — including when the group plan wins.
Three moves before you sign.
Before you sign anything
Run your census through the free audit — ages and ZIP codes, nothing else. You'll see your current bill next to the individual-market math for your actual team in seconds, not after a sales call.
Mind the calendar, not the panic
A January 1 switch works backward: employee notice out by early October, decision by late September. And if the renewal already auto-signed, an ICHRA can still start any month — gaining one opens a special enrollment period.
Demand the honest answer
The comparison runs on your real bill and your real team. If the answer is "your renewal is actually competitive — keep it," that is the answer you'll get, in writing, with the math shown.
The deadline mechanics live in the 90-day notice and Open Enrollment 2027.
The renewal-week questions.
My renewal jumped 20%+. Is that normal?
It's common — and it's the group model working as designed: your own claims year feeds your next price. Group single coverage now averages $9,325 a year (KFF 2025 survey). The question isn't whether the increase is normal; it's whether your team's individual-market math beats it. That's checkable in seconds.
Do we have to wait for the renewal date to switch?
No. Gaining an ICHRA is a special-enrollment trigger in the individual market (45 CFR 155.420(d)(14)), so employees can buy plans any month the program starts. The renewal date is a natural moment, not a requirement.
What does it cost to find out?
Nothing. The audit takes a census export or a sketch of your team — ages and ZIP codes only, no health information — and shows the comparison against real filed rates before anyone asks who you are.
What if the numbers say our group plan is the better deal?
Then keep it. Some experience-rated groups genuinely come out ahead, some counties have thin individual markets, and we publish that both ways — the comparison is arithmetic, not ideology. You'll renegotiate your renewal knowing exactly what the alternative costs.
Do employees lose anything in the switch?
They trade one company-chosen plan for a choice among every plan filed in their county — most gain network fit; an employee attached to the exact group design may not find an identical one. The audit surfaces that trade before you decide, not after.
Know the market before you sign the letter.
Insurf, Inc. is not a licensed insurance agency, does not sell insurance, and receives no commissions; enrollment applications are submitted by an individually licensed insurance producer. The audit is an informational cost estimate — not an offer of coverage and not a recommendation to buy or drop any plan. Projections are labeled and are not guarantees. Not financial, tax, legal, medical, coverage, or insurance advice.