AI for employee benefits brokers, tested first on renewals your team already presented.

Each renewal your team ran ended in a spreadsheet or deck the employer saw: current plans beside the renewal and each alternative, with rates by tier and the monthly cost. That file and the carrier letters behind it are the answer key. Your reviewer, the account manager or benefits analyst who builds them best, sets each AI draft beside it plan by plan.

One book holds three kinds of renewal. Small groups are priced under federal rating rules by age, geography, family size and, where a state allows it, tobacco; most states draw that line at 50 employees, and a few, California and New York among them, at 100. Larger insured groups renew on their own claims, and self-funded groups renew stop-loss. The sample should hold some of each.

The paperwork is uneven by line. Medical renews every year. Dental, life and disability quotes often carry longer rate guarantees, and every carrier lays out its quote its own way. Account data often sits in an agency management system such as BenefitPoint from Vertafore or Applied Epic, and the census tends to come from an enrollment platform such as Employee Navigator or Ease, or from payroll. The proof of concept needs none of them: it works from copies, and we never log in.

Privacy decides what goes into the sample. A census carries personal details, and claims or enrollment records held for a group health plan can be protected health information. So the test runs on copies with names and identifiers removed or replaced, under the NDA, with ages in place of birth dates. No protected health information is needed, and large claimant reports and health questionnaires stay with you.

Compliance paperwork comes second. Since the Consolidated Appropriations Act, 2021, a broker or consultant to a group health plan must disclose its expected direct and indirect compensation to the plan in writing, and carrier commissions show up on Schedule A of the plan's Form 5500, a public filing. Wraps and 5500 data can be checked against what was filed, so they make a good second job, or the first if compliance is your heavier load.