A private comparison, not a marketable proposal.

Effective September 2, 2026

Permitted use

Renewal Match accepts submissions from authorized brokers evaluating group renewals, carrier compensation schedules, innovative benefit solutions, or a combination of them. Employers and groups should ask their broker to submit information on their behalf. A submitting broker must have authority to provide every value and document.

Preliminary results

Displayed matches may use private versioned shelf-rate schedules, role-specific compensation-contract levels, or approved solution-fit criteria. The initial shelf programs are available nationwide for group setup with two enrolled and no required employer contribution. Individual plan pricing and participation conditions may differ from group setup terms. Carrier or solution-partner identity and contract details are provided during official review when applicable. Results are private preliminary examples and are not approved for external use. They are not an offer, appointment, contract, recommendation, or guarantee of lower cost or improved compensation.

Coverage-class comparisons

Comprehensive coverage, MEC-only coverage, and Minimum Value plans may appear in the same result as clearly separated strategies. A MEC-only or Minimum Value path is not presented as a like-for-like replacement for comprehensive coverage. Cross-class savings claims are not shown. Every actionable option requires review of the official plan documents, benefits, exclusions, network, eligibility, fees, and current rates.

Source-rate programs

A source document may establish that a private program and tier amounts are available without saying what each row covers, whether the figures are monthly, what participation rules apply, or what the final monthly price will be. Those amounts are shown in a separate source-rate section. Renewal Match does not calculate a monthly total, rank the rows, or state a savings result until the missing plan facts are officially confirmed.

Innovative solutions

Some catalog paths may use organization-level access or coordination without using group insurance rates. These paths are kept separate from insurance and rate comparisons. Any displayed platform fee comes only from a hypothetical source example. It is not a current quote, typical cost, cost comparison, insurance premium, commission, or savings estimate, and current contract confirmation is required. An account setup does not by itself establish group-insurance, MEC, Minimum Value, HRA, ICHRA, affordability, tax, or employer-mandate status. Official legal, tax, licensed, state, enrollment, and structure review is required before use.

Employer shared-responsibility strategy

Any Penalty A, Penalty B, or section 4980H reference is a preliminary strategy guide for potential offer-of-coverage, affordability, or Minimum Value issues. It is not a liability calculation, tax or legal advice, or a guarantee that an employer shared-responsibility payment will not apply. MEC-only coverage does not by itself establish an affordable Minimum Value offer. ALE status, workforce facts, offers, enrollment, premium-tax-credit eligibility, affordability, safe harbors, Minimum Value, employee eligibility, and current law require appropriate professional review.

Official quoting and presentation

Carrier appointment and contract review are required before any displayed rate or compensation level is presented as an official quote to a group, broker, or downstream agent. A review request is tracked in Renewal Match. Authorized internal reviewers may access the submitted case and documents, record review notes, and approve, reject, or request more information. An appropriately licensed insurance professional handles plan-specific pricing, state exceptions, enrollment charges, and official quoting. Innovative paths require official fit and structure review before presentation or implementation.

Uploaded documents

Only clean group-level renewal summaries and carrier commission schedules are permitted. Member-identifiable, medical, claims, banking, payment-statement, policyholder, credential, malicious, encrypted, oversized, or otherwise prohibited files may be rejected or removed.

No guarantee of service

Renewal Match may route a case for additional review, decline to display an example when information is incomplete or outside the loaded schedule, and change or discontinue preliminary schedules when source information changes.

Questions: contact@renewalmatch.com.

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