Know the people and the cap
- Employee and dependent counts, ages and coverage tiers
- Home ZIP, state, rating area and eligible class
- Current plan, employer allowance and renewal target
- Employee cost, affordability inputs and data gaps
2027 renewal intelligence · employer and broker guide
2027 ICHRA Renewal Intelligence: One Quote, More Answers
One census becomes a fast renewal view of employer budget, local market choices and employee impact. Add authorized claims and pharmacy intelligence to understand the population behind the price.
Build a renewal quote →The first quote pulls together the census and available market data in seconds. It shows where the employer needs a closer look. When authorized medical and pharmacy data are available, Predictive Risk Intelligence adds aggregate population signals to the same strategy review. The clinical analysis and final rate validation take additional time.
THE RENEWAL DECISION ENGINE
Many data points. One employer view.
The quote connects three layers of evidence so an employer can see what the funding change means in each market and for the covered population.
Know the local alternatives
- Available carriers, networks and plan premiums by geography
- Relevant Silver affordability and Gold benchmark inputs
- Individual versus group market movement
- Geographic contribution and plan-selection scenarios
Know the population behind the price
- Aggregate claims and pharmacy patterns when authorized
- Demographic, morbidity and projected risk signals
- Specialty Rx and high-cost exposure ranges
- Data match confidence, gaps and renewal implications
ONE QUOTE · THREE LEVELS OF DECISION SUPPORT
From budget to employee impact to funding recommendation.
Compare current and proposed employer cost, market-by-market employee outcomes and the evidence for ICHRA, group or a permitted class strategy.
What takes seconds? The preliminary census and available market quote view. Claims-based population analysis depends on authorization, usable data and review; final premiums and benchmarks must be verified before implementation.
Start with one verified census
Start with employees, dependents, ZIPs, coverage tiers and current employer allowances. Flag missing or contradictory records for correction; keep employee and covered-life counts distinct.
Compare the market within the budget
Set the monthly employer cap, then map local plan premiums, carrier choice and benchmarks to each employee. Model permitted geographic contribution designs and rebalance every allowance to the approved total.
Show the employee result, not just the average
Display current and proposed allowances, selected plans, actual premiums when available and the employee share. Segment winners, near-current results and review cases so leadership sees distribution as well as aggregate cost.
Add population risk when the data are ready
For eligible groups, authorized aggregate claims and Rx analysis can reveal chronic condition, specialty medication, high-cost claimant and projected-risk signals. Use match confidence and missing-data flags to judge how much weight to give each finding. Keep the analysis at the population level.
Validate and hand off the recommendation
Confirm premiums and benchmarks, show incomplete rows, and provide the census-level change file with current and proposed allowances, employee costs, assumptions, funding totals and approval status. Reconcile every record before enrollment.