Free tool

The Renewal Countdown

Put in your health plan renewal date and your current premium. This lays out the dates that matter and does the arithmetic behind the increase. It organises dates and numbers only. It does not recommend a plan and it is not insurance advice.

1. Your dates

Plan renewal date Date your carrier's written notice arrived (optional)

Leave blank and we assume the legal deadline, 60 days before renewal, and label the result an estimate.

2. Your money

Employees on the plan Current TOTAL monthly premium (USD)

The whole monthly bill, not the per-employee figure.

Both halves work on their own. Fill in either one.

Your answers stay in your browser. We only use your details for the newsletter.

The 60-day and 45-day figures come from Tex. Ins. Code Sec. 1501.216 (texas.public.law/statutes/tex._ins._code_section_1501.216). That section covers Texas small employers, defined as 2 to 50 employees. Above 50 employees you are not covered by it, so confirm your notice terms with your carrier or broker. The 8, 12 and 15 percent figures are what carriers in this market tend to propose, not filed or approved Texas rates. This page organises dates and arithmetic only. It is not insurance advice.

Where the 60-day and 45-day figures come from

Both are set by Tex. Ins. Code Sec. 1501.216. The carrier must give written notice of the renewal terms, including the dollar figures, at least 60 days before the renewal date, and it cannot require your answer sooner than 45 days after that notice.

This section covers Texas small employers, defined as 2 to 50 employees. Above 50 employees you are not covered by this section, so confirm your notice terms with your carrier or broker.

The 8, 12 and 15 percent figures are what carriers in this market tend to propose. They are not filed Texas rates, not approved rates, and not a prediction of your renewal.