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Small Business Health Insurance
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Small Business Health Insurance Renewal Increase Response Kit
In the first hour: write the current and renewal monthly premiums, who is enrolled, and the plan start date. The sheet subtracts 90 days for the HRA notice. If that date is before today, call a broker or benefits counsel. The notice date itself is still an open day. Operational worksheets for a fully insured small-group renewal. Not legal, tax, insurance, or benefits advice. Level-funded plans, HRAs, cafeteria plans, ACA employer rules, and stopping coverage go to your broker, TPA, or benefits counsel.
- PDF guide with a clear walkthrough
- Emergency checklist for the first actions
- Copy-paste scripts or templates
- Tracker or worksheet for follow-through
PDF guideEditable DOCXAction trackerChecklistScripts
Not for sale yet
It is coming soon. It is not for sale yet. Use the Email us about this kit button and we'll tell you when it's ready.
This kit joins All-Access when it launches. It is not included today.
Questions before you buy? Email us.
Built by an operatorMeet the founder
Actionable & practicalNo fluff. Just what works.
Start in the first hourEmergency checklist up front
Not for sale yetEmail us and we'll tell you when it's ready
Product preview
See the kit at a glance.
These previews show the guide, templates, and tracker this kit is built to include. The files are not available until the kit is ready.
- Step-by-step PDF guide written for this exact problem
- Editable templates & scripts in Word (opens in Google Docs too)
- A working tracker in Excel or Google Sheets
- Included files: keep it and reuse it whenever the problem returns
Who it is for
Built for the exact moment this starts costing money, trust, or time.
Owners and office managers at a small business with a fully insured group health plan whose renewal came back higher, and who have to compare options, decide, tell staff, and change payroll deductions.
This helps when
- Decode the renewal into company totals and tier rates, and list the pages you still need from the carrier or broker.
- Ask any broker the same questions, then line up a second quote on the same census and the same start date.
- Model employer cost and the employee deduction per pay period from your own rates. The sheet does not contain sample premiums.
- Check dates backward from the plan start, including the 90-day written notice HealthCare.gov requires before a QSEHRA or CHOICE Arrangement plan year.
- Decide on one page, tell staff without promising tax or medical results, and log the payroll change through the first paycheck.
- Put next year's review on the calendar while you still remember what was missing.
What this solves
A practical path from “what do I do now?” to a clear next action.
Use the guide, scripts, and tracker to organize the facts, choose the next move, and keep follow-up from slipping.
What you will be able to do
- A decision path that stops at the broker, TPA, or benefits counsel when the option is not a fully insured renewal you can explain.
- A written decision, a staff note with the brackets filled, and a payroll request that does not invent tax treatment.
- Chosen employer cost per year, a rate change and a census change, a worst-case company premium, a 50 or 100 cutoff, a 90-day notice date that stays open on its own day, and a payroll log you can check against the first paycheck.
How each file is used
- Read the renewal path, the size tests, the 90-day HRA rule, and the labeled example before you reply to the broker or talk to staff.
- Run the option menu, the decision memo, and the scripts for the broker, employees, and payroll.
- Hold the company premium, tier rates, census, quotes, contribution math, notice date, staff log, and payroll log.
Included inside
- Step-by-step operating guide
- Emergency first-action checklist
- Copy-paste scripts or templates
- Tracker or worksheet for follow-through
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View kitFAQ
Common questions about this kit.
Who is the Small Business Health Insurance Renewal Increase Response Kit for?
Owners and office managers at a small business with a fully insured group health plan whose renewal came back higher, and who have to compare options, decide, tell staff, and change payroll deductions.
What's included in the Small Business Health Insurance Renewal Increase Response Kit?
The kit is built as a step-by-step PDF guide, editable Word templates, and a tracker for follow-through when it helps. Those files are not available on this page yet.
Can I buy this kit today?
Not yet. It is coming soon. It is not for sale yet. Use the Email us about this kit button and we'll tell you when it's ready. It does not start checkout, and there is no charge.
How will I know when the Small Business Health Insurance Renewal Increase Response Kit is ready?
There is no checkout on this page yet. Use the Email us about this kit button and we'll tell you when it's ready.
Can I reuse it whenever the problem comes up again?
Yes. Use it across your own business as many times as you need. Please do not resell or redistribute the files.
Does this guarantee an outcome?
Not legal, tax, insurance, or benefits advice. Plan documents, ERISA, cafeteria plans, ACA employer rules, self-funding, level-funded coverage, and stopping coverage go to your broker, TPA, or benefits counsel. This kit does not sell a plan and does not name a broker.
Important fit note
Clear guidance, not false certainty.
Not legal, tax, insurance, or benefits advice. Plan documents, ERISA, cafeteria plans, ACA employer rules, self-funding, level-funded coverage, and stopping coverage go to your broker, TPA, or benefits counsel. This kit does not sell a plan and does not name a broker.