Don't Wait Until Your Group Health Renewal Lands

Signs it's time for a wider look

•	Your rates keep climbing, even in years your team barely used the plan
•	Your plan options feel the same year after year
•	You have no idea where your premium dollars actually go
•	"Shopping the market" keeps producing the same handful of quotes

If two or more of these sound familiar, it's worth a second opinion.

There are more options than most employers see

Blue Cross Blue Shield, UnitedHealthcare, and Aetna are established carriers, and sometimes they're the right fit. But employers with 25 or more employees often qualify for plan options and pricing structures that never come up in a standard renewal. These can include different ways to fund the plan, different networks, and ways to potentially share in the savings when claims run low.

Which options make sense depends on your group: your size, your workforce, and your goals. That's a conversation, not a brochure.

Timing matters

Exploring alternatives takes time. Quotes need to be gathered, compared, and explained before your renewal deadline. The earlier you start, the more options stay on the table. Waiting until the last minute often means the only real choice is to accept the renewal as is.

Two simple steps put you in control:

•	Ask your current broker for your renewal as early as possible. Don't wait for it to arrive on its own.
•	Start the conversation 90 to 120 days before your renewal date. That gives enough time to compare real alternatives side by side.

Let's take a look at your options

Sherlock Insurance Group refers employers with 25+ employees to our sister company, Brazos Marketplace. Brazos compares ACA-compliant options backed by A-rated carriers side by side, including your current carrier where available, so you can see what else is out there before you renew.

Call the Sherlock office or send us a message, and we'll connect you with the Brazos team. The sooner we hear from you, the more options you'll have.

Sherlock Insurance Group 405-301-8150 · sherlockgroup.com

This article is for general information only. Plan availability, pricing, and features vary by carrier, program, and state. Group health coverage is placed through Brazos Marketplace, only in states where it is licensed. Carrier names are used for identification only.