Beginning in 2016, at your plan renewal, how your group of 50-99 employees will be rated will change.  This could cause an enormous change (spelled i-n-c-r-e-a-s-e) to your rates.  Companies with good demographics (younger ages, healthy) may see “massive rate increases” – WHY?

Because you are currently rated as a large group, so your claims experience plays into your rates.  Beginning 2016, you will receive small group rates, and be community rated.

There are several potential solutions to this – and it something we need to be discussing this year in a planning meeting.