Employee Benefits
Your Health Insurance Renewal Is Up. Ask These Five Questions.
Ohio employers: use five questions to review your 2027 health insurance renewal, understand cost drivers and compare the impact on your business and employees.
R2I Insights
Better questions.Better insurance decisions.
Plain-language notes for Ohio employers, business owners, individuals, and families. Start with the decision you need to make.
From the R2I team
Guides for your next benefits decision.
Employee Benefits
A Practical 1/1/2027 Health Plan Renewal Playbook for Employers With 25–100 Employees
A September-through-January renewal plan for Ohio employers: compare funding, review contributions, confirm deadlines and prepare employees for 2027.
Employee Benefits
Five Benefits Priorities for Ohio Employers in 2026
Five practical priorities for reviewing employee benefits: total cost, mental health access, pharmacy terms, useful choices and vendor transparency.
Employee Benefits
Reviewing J-Code Claims in an Employer Health Plan
A practical review of medical-benefit drug claims: gather the right data, check units and payments, compare appropriate benchmarks and assign follow-up.
Employee Benefits
How Stop-Loss Fits Into a Level-Funded Health Plan
Understand specific and aggregate stop-loss, the costs and risks an employer retains, and the contract questions to answer before changing funding.
Employee Benefits
What Claims Reporting Can Tell You About Your Health Plan
Compare reporting across funding arrangements, ask for usable claims information, protect privacy and turn verified findings into practical decisions.
Employee Benefits
What Should You Expect from Your Benefits Broker?
Use a practical scorecard to review your broker’s renewal planning, compensation disclosure, service support, reporting and follow-through.
Three practices
Practical guidance for the decisions in front of you.
Start with the question closest to your next renewal, operational change, or household milestone.
What should leadership compare before a benefits renewal?
A renewal decision should connect employer cost, employee cost, plan design, networks, funding, service, and implementation impact.
- Start with goals and the decision timeline.
- Separate fixed cost, claims risk, fees, and employee contributions.
- Show what changes for employees, not only what changes on the invoice.
What belongs in a commercial coverage review?
The most useful reviews compare policies against the way a business actually operates, not a generic coverage checklist.
- Map locations, contracts, payroll, vehicles, equipment, and people.
- Review loss history and material operational changes.
- Compare limits, deductibles, exclusions, and services alongside price.
Which life changes should trigger a coverage review?
Personal insurance works best when it evolves with the household, the assets, and the responsibilities it is meant to protect.
- Buying or renovating a home.
- Adding a driver, vehicle, or recreational asset.
- Marriage, children, divorce, or a change in income.
Have a real question?
Bring R2I the decision in front of you.
A useful conversation starts with your situation, timing, and what you need to understand.