Renewal planning
Use a 120-day timeline to compare coverage, communicate clearly, and reconcile the first bill.
Educational planning guidance—not legal, tax, payroll, or eligibility advice.
Start with the situation
Choose the closest scenario for a focused list of questions to organize. Your selection stays in this browser.
Renewal timeline planner
Collect the renewal, census, employee locations, service concerns, provider priorities, and contribution goals before comparing alternatives.
Three points to confirm
A strong renewal begins before the carrier deadline. Organize the current census, plan performance, provider and prescription priorities, contribution budget, employee communication, and implementation owners early enough to compare realistic options without rushing the final decision.
A practical process
Use the plan documents and responsible partners to confirm the official rule for the situation.
Request the current renewal and census, confirm employee locations, identify service or network concerns, and set the employer contribution budget. Decide which carriers or programs deserve a realistic comparison.
Compare plan designs, networks, employee payroll deductions, and employer cost. Document the reasons for the recommended lineup and confirm the carrier submission timeline.
Approve the plan and contribution, prepare employee-facing comparisons, schedule enrollment, and give employees a clear election deadline and support contact.
Submit enrollment, update payroll deductions, confirm coverage, and reconcile the carrier invoice against employee elections. Resolve discrepancies before they repeat on later bills.
Interactive checklist
Check items as you gather them, then print the list or reset it for the next employee situation.
Official sources
Official resources reviewed August 2026.
Reviewed by David Keum, Founder & Principal Advisor · CA License #4005450
Local employer guidance
We help California employers organize carrier, enrollment, network, and coverage questions and identify which partner should confirm the final rule.
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FAQ
Beginning about 120 days before renewal gives the employer time to update the census, review goals, compare realistic alternatives, communicate with employees, and complete enrollment without turning every decision into an emergency.
Compare employer cost, employee payroll deductions, deductibles and out-of-pocket exposure, provider networks, prescriptions, service areas, plan administration, and the effect of changing carriers.
No. The current plan may still be the best fit after networks, benefits, disruption, administration, and total employee cost are considered. A renewal review should test alternatives, not assume a change is required.
Confirm carrier enrollment, member materials, payroll deductions, employer contributions, the first invoice, and any employee corrections. Keep a written list of discrepancies and assigned owners.
