A 120-day process for goals, census quality, employee impact, market review, and implementation.
Set decision principles
Agree on the employer budget range, contribution philosophy, acceptable employee disruption, network priorities, and recruiting goals. Write these down before comparing plans.
Fix the inputs
Validate the employee census, dependent data, locations, participation, plan elections, and current contribution model. Weak data produces false precision in every quote that follows.
Evaluate the full employee impact
Compare payroll deductions, deductibles, out-of-pocket exposure, networks, prescriptions, employer funding, and administration. A lower headline premium can shift meaningful cost and confusion to employees.