Renewals
Is your renewal increase normal?
Move the slider to the increase in your renewal letter. We place it against the latest small-group numbers for California and the country.
United States, proposed for 2027: median 14%, middle half 10% to 18%
California, 2026 filings: average 9.2%, range 3% to 26.7%
We explain what moved, in English or Spanish.
Source: Peterson-KFF Health System Tracker, small-group rate filings for 2027, proposed 2027 rates, published August 2026.
Source: California Department of Managed Health Care, small-group rate filings, 2026 rates.
An average isn’t your renewal: your group’s ages, location and claims move it.
The renewal clock
The law gives you at least 60 days between the renewal notice and the new rate
How that window works for small-group plans in California and Texas, and where we start.
Send us your renewal letterYour decision window
90 days before
We start: new quotes and the increase explained, before the letter arrives.
60 days before
The latest the insurer can send the renewal notice: in California for every small group, and in Texas for 50 or fewer employees.
Renewal date
The new rate starts.