Healthcare Is Expensive. Confusion & Uncertainty Shouldn't Be Part of the Cost.
Guiding Better Benefit Decisions
RENEWAL TOOLKIT | PREPARE FOR RENEWAL
Three quick questions. Private, simple, and no information is saved.
YOUR RENEWAL TIMELINE
working days until renewal
You're in the — phase.
PLAN
RENEWAL
EVALUATE
DECIDE
ENROLL
EFFECTIVE
—
—
—
—
—
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NEXT IN THE TOOLKIT
Your renewal has arrived. Is it competitive enough to stay with your current carrier—or is it worth testing the market?
Renewal
Employees Enrolled
Renewal Received
Knowing how many days remain is only part of managing a successful renewal. Carrier deadlines, plan decisions, employee communications, enrollment and implementation all have dependencies that need to happen in the right sequence.
MPOWR clients receive a customized renewal roadmap with milestone dates, responsibilities and implementation checkpoints built backward from their effective date.
RENEWAL TIMELINE COPY LIBRARY — hidden on the live page. Edit wording here; keep {tokens} intact.
Renewal Planning
Renewal Arriving / Evaluation
Plan Evaluation
Decisions & Implementation
New Plan Year
You're in the {phase} phase.
working days until renewal
working day until renewal
Your renewal date has passed
Employers with 1–49 enrolled employees often don't receive a formal renewal until about 60 days before the effective date.
Employers with 50–99 enrolled employees commonly receive a formal renewal around 65–70 days before the effective date.
Employers with 100+ enrolled employees typically begin renewal planning about 90 days before the effective date, with the formal renewal commonly arriving around 65–70 days out.
Yes
No
Not Sure
There's useful work to do before your renewal arrives.
Your formal renewal may not be available yet, but there is useful work that can happen before it arrives. {size_note}
Define priorities for the upcoming plan year
Review current plan performance and employee concerns
Prepare to evaluate the renewal when it arrives
Once your renewal is available, you'll be able to evaluate the carrier's terms and determine whether additional negotiation or market review should be considered.
Your renewal should be on your radar.
You're entering the period when employers of your size commonly begin receiving renewal information. If your renewal isn't available yet, now is a good time to confirm its expected delivery date with your broker or carrier. There is still useful preparation you can complete while you wait.
Confirm when your renewal will be delivered
Clarify priorities and budget expectations for the plan year
Prepare to evaluate the renewal as soon as it arrives
Once your renewal arrives, the focus shifts to understanding what changed and whether negotiation or a market review should be considered.
Your renewal window is getting shorter.
With your effective date approaching, the amount of time available to evaluate alternatives, make decisions and prepare for enrollment is becoming more compressed. Your enrollment submission deadline is {deadline}, so confirming your renewal's status is the most useful next step.
Confirm your renewal's status and delivery date
Identify the decisions that need to be made before enrollment
Focus your evaluation on the options that matter most
Once your renewal is available, evaluation and decisions will need to move efficiently to leave enough time for employee communications and enrollment.
Your renewal is ready for evaluation.
With your renewal in hand, this is the point in the process to understand what changed, how the renewal compares with the market, and whether your current strategy still makes sense.
Understand the drivers behind the renewal
Evaluate cost, plan design and employee impact
Determine whether negotiation or a market review is warranted
Decisions made during this phase affect carrier implementation, employee contributions, communications and enrollment timing.
It's time to finalize your decisions.
With your renewal in hand and an enrollment submission deadline of {deadline}, this is the period to settle plan and contribution decisions so employee communications and enrollment can stay on schedule.
Finalize plan design and contribution decisions
Understand the employee cost impact of your choices
Prepare clear communication for employees
Once decisions are final, attention turns to carrier implementation, employee communications and enrollment.
Confirming whether your formal renewal has been released is an important next step.
Renewal timing affects when you can meaningfully evaluate the carrier's terms and decide whether market alternatives should be considered. {size_note}
Confirm whether your renewal has been released
Clarify when decisions will need to be made
Prepare to evaluate the renewal once it's confirmed
Once you know where your renewal stands, you'll be able to plan the time you need for evaluation and decisions.
Your new plan year has begun.
Your renewal date has passed. This is a good time to reflect on how the renewal went and what you'd like to approach differently next time.
Review how this year's renewal process went
Watch early plan performance and employee feedback
Note priorities for your next renewal
The next renewal cycle typically begins several months before your next effective date.
Enrollment Deadline Approaching
Immediate Action Needed
Your enrollment deadline is approaching.
Your enrollment submission deadline of {deadline} is approaching. Final plan decisions, employee communications and enrollment activity should be moving toward completion so carrier submissions can be made on time. {deadline_note}
Finalize plan and contribution decisions
Complete employee communications and enrollment
Prepare final enrollment information for carrier submission
Once final enrollment information is submitted, the carrier can complete setup and issue ID cards ahead of your effective date.
For larger groups, this is the operational deadline; {dropdead} remains the absolute drop-dead carrier submission date.
Your enrollment submission deadline has arrived.
Your renewal effective date is approaching, and you are now at or beyond the typical carrier submission deadline for enrollment changes needed to support a smooth effective date and timely ID card delivery. {deadline_note}
Submit final enrollment information to your carrier as soon as possible
Confirm any plan or contribution decisions that are still open
Keep employees informed about enrollment and effective-date timing
Once final enrollment information is submitted, the carrier can complete setup for your effective date. For your next renewal, starting earlier leaves more room for evaluation and decisions.
For larger groups, {deadline} is the operational deadline, and {dropdead} remains the absolute drop-dead carrier submission date. Final enrollment materials should ideally already be completed and submitted.
Enter your renewal date.
Medical plan renewals typically begin on the first day of the month. Please select your plan's renewal effective date.
For larger groups, {deadline} was the operational deadline, and the absolute drop-dead carrier submission date of {dropdead} has now also been reached.
Your new plan year begins today
Your new plan year begins today.
Your renewal takes effect today. This is a good time to make sure employees have what they need and to note what you'd approach differently next time.
Make sure employees have their ID cards and plan information
Watch early employee questions and plan performance
Note priorities for your next renewal
The next renewal cycle typically begins several months before your next effective date.
Second set of eyes
Make sure your strategy is moving with it.
A quick review can help identify what needs attention now and what should happen next.
