Butcher & Associates Pensacola, FL
Renewal analysis · Pensacola

Free renewal analysis for Pensacola employers.

Renewal letter in by Friday? Plan comparison back by Tuesday. Three-plan side-by-side, plain-English benefit guide preview, no obligation. The wedge offer no other Pensacola brokerage runs at this turnaround.

What this is

What the renewal analysis returns.

A renewal analysis is a written, side-by-side comparison of what your incumbent carrier is offering you next year against what the rest of the Florida group medical market would write your Pensacola group at, with alternative funding structures modeled where they fit. It is not a sales pitch. It is the document a sophisticated buyer would build themselves if they had the carrier appointments and the time to run the RFP.

Within 48 hours of receiving your renewal letter, current census, and twelve months of claim history if you have it, we return three things: a ranked three-plan side-by-side comparison of the top options across Florida Blue, United Healthcare, Cigna, Aetna, Humana, and level-funded specialists; a 2-page plain-English benefit guide preview for the top-ranked plan (deductible, out-of-pocket maximum, copays, prescription drug tiers, written the way you would explain it to an employee); and an optional 30-minute explanation call with Wil to walk the numbers.

Free. No obligation to switch brokers. No follow-up sales call unless you ask for one. The analysis is the wedge offer because it removes the only real risk in evaluating a new broker — the risk that you spend two weeks of HR time and get nothing useful out.

How Butcher handles it

The four-step process, the 48-hour clock.

Step one is the census and claim review. Wil pulls your current census, the renewal letter, and twelve months of paid-claim history (twenty-four when we can get it), and assesses whether the renewal is reasonable, optimistic, or pricing for a real cost driver in your group. Step two is the carrier RFP — identical plan-design parameters and the same census file go to every eligible carrier so the quotes return apples-to-apples, with five weighted criteria scored: deductible, out-of-pocket maximum, prescription drug coverage, total annual cost (employer plus employee), and copay structure.

Step three is the plan modeling. For groups 25 and up, level-funded gets modeled against fully-insured as a matter of course — breakeven, upside at 80 percent of projected claims, downside at 110 percent, surplus-share terms read in writing. For groups 100 and up with stable claim history, self-funded feasibility gets modeled with specific and aggregate stop-loss layered explicitly. ICHRA versus group, HSA-pairing math, and QSEHRA for very small groups go on the table when they fit.

Step four is the written one-page recommendation: recommended structure, recommended carrier, options considered and not recommended (with the reasons), total cost picture, implementation timeline. Presented in person at our Creighton Road office or on video. 45 minutes. If you decide to move forward, Wil handles the broker-of-record letter, the carrier paperwork, and the open-enrollment kickoff. If you decide to stay with your current broker, you keep the analysis and we wish you well. That is what "no obligation" means here.

Common questions about renewal analysis in Pensacola

Pensacola renewal analysis questions we get.

When should our Pensacola company start the renewal analysis?
We start renewal work 90 to 120 days before your plan's effective date. That gives time for the carrier RFP, claim-experience review, alternative-funding modeling, employee communications, and open enrollment. Pensacola groups that wait until 30 to 45 days out almost always default to the incumbent renewal because there is not time to credibly shop the market. Start early; the decision can still be late.
When should a Pensacola employer consider switching brokers?
Common triggers: your current broker only calls you at renewal, you have never seen a level-funded or self-funded analysis even though your group is the right size, your service requests take more than 48 hours to resolve, your carrier list has not been shopped in three or more years, or your renewal is presented as a single carrier number with no alternatives. Switching is a written broker-of-record letter, usually 30 days, no penalty, no carrier paperwork on your end.
Will Butcher actually shop the Pensacola group health market or just push one carrier?
We shop. We are independent and appointed with the major Florida group medical carriers including Florida Blue, United Healthcare, Cigna, Aetna, and Humana, plus level-funded specialists and stop-loss markets. Every renewal cycle we run a formal RFP and present side-by-side comparisons with five weighted scoring criteria. The carrier list is what we actually write, not a marketing wall.
Is it cheaper to skip the broker and just take the carrier renewal as-is?
No. Group health premiums are not discounted when a Pensacola employer skips the broker — the carrier keeps the commission line in the premium either way. Going direct means you pay the same rate and lose the multi-carrier comparison, the renewal advocacy, the COBRA and ACA help, and a service team. Some carriers will not even quote a group without a licensed broker of record on file.

Ready to get started?

Free renewal analysis, returned in 48 hours, no obligation. Best timed 90 to 120 days before your effective date, but we will run it any time the renewal letter is in your inbox.

Get a free renewal analysis Or call (850) 972-8773

Related Pensacola services: group health insurance broker Pensacola · level-funded health plan Pensacola · all services