Ninety days before your renewal date is the sweet spot. Any earlier and carriers won’t release firm numbers; any later and you’re negotiating with a gun to your head.
Step one is a full claims and utilization review. We look at where the plan is actually being used — ER visits, specialist referrals, prescription tiers — and identify where the current design is bleeding money.
Step two is a multi-carrier re-shop. Because we’re independent, we bring three to five real quotes back to you, not one “best option” from a captive carrier.
Step three is plan design. Sometimes the answer is a new carrier. Just as often, it’s pairing a leaner base plan with an HSA or a voluntary supplemental layer that closes the gap for employees without raising the employer contribution.