Well, it’s been quite an interesting renewal/marketing season already, hasn’t it? Trend factors are lower than they’ve been in years. Some carriers are out there offering premium holidays for new clients who sign up before January 1. And when’s the last time you saw a carrier offer a double-digit rate decrease right out of the chute?

Some are likening this to the mid-nineties — the last time that reform of the health care system entered the national debate — when, according to the Mercer National Survey of Employer-Sponsored Health Plans, employers’ costs for health insurance were lower than CPI from 1994 through 1997. 

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