Upload your renewal packet and get an independent AI-powered diagnostic in under 60 seconds — free. Know exactly what's driving your increase, what's negotiable, and what questions to ask.
"The renewal came in at 18%. My broker said that's just the market.
We didn't believe it."
Most employers accept renewal increases at face value. They don't have the tools or the time to question the underlying assumptions — the trend factors, the pooling methodology, the administrative load, or the pharmacy splits.
That information asymmetry is exactly what your carrier counts on. The Renewal Diagnostic Engine levels the field.
No account required. No obligation. Just upload your renewal packet and let the engine do the work.
Upload your renewal packet PDF — the rate exhibit, renewal letter, or plan change summary your carrier sent. Optionally enter your employee census to calculate premium impact.
The engine extracts rate changes, trend factors, plan structure changes, pooling assumptions, and administrative loads — then benchmarks them against known carrier patterns and market data.
Get a full report with risk rating, confidence-scored findings, plan-by-plan analysis, and identified data gaps. Sign an Independent Plan Analysis Authorization to request the data you need to negotiate.
Based on the evidence in your renewal packet, the engine classifies your structural alignment risk and gives you a clear picture of where the leverage is.
The renewal contains one or more factors that deviate significantly from market benchmarks — trend inflation, undisclosed pooling charges, or unjustified fee increases. Immediate action recommended.
The renewal is within range but contains assumptions or data gaps that warrant further investigation. A formal data request may reveal negotiating opportunities.
Rate assumptions are consistent with your group's experience and market benchmarks. The diagnostic confirms you have a defensible renewal — valuable in itself.
The diagnostic engine produces six distinct outputs — all generated automatically from your renewal packet.
Elevated, Moderate, or Low — with a confidence percentage and plain-English explanation of what's driving the assessment.
InstantUp to 10 confidence-scored findings identifying specific cost drivers, anomalies, and challenge points found in your renewal packet.
InstantRate direction, deductible changes, out-of-pocket changes, and confidence ratings for each plan in your portfolio.
InstantEnter your employee census and see the dollar impact of the renewal across all plan tiers — EE, ES, EC, and EF.
InteractiveA prioritized list of missing data — stop-loss recovery, pharmacy breakouts, experience reports — that you have the right to request and should.
ActionableA signed, formatted Independent Plan Analysis Authorization you can send directly to your carrier to request the data needed for a real negotiation.
PDF DownloadDemand Insurance & Benefits, LLC is a Louisiana-based employee benefits advisory firm serving employers across the state for over 25 years. We specialize in healthcare plan design, ERISA compliance, and carrier negotiation — with a particular focus on disrupting the information asymmetry that keeps employers paying more than they should.
The Renewal Diagnostic Engine was built because we kept seeing the same pattern: an employer would receive a renewal, their broker would say "that's just where rates are," and no one would look deeper. We built the tool we wished existed.
Upload your renewal packet now and get your independent diagnostic in under 60 seconds. It costs nothing. The information it gives you could be worth thousands.
No account required · No credit card · Not a broker of record appointment · Licensed in Louisiana