Prepare for Renewal With BHT’s Free Plan Comparison Tool

What would other health plans cost for the same employees? And would starting coverage in December instead of January change the numbers?

Business Health Trust’s new Washington Small-Group Plan Comparison Tool helps employers explore those questions using the latest publicly filed rates. It’s free, fast and private. There’s no account to create and no email or contact information to provide.

See your options, using your actual group

Choose your county and coverage start date, then add employee ages or birth dates. Enter them individually, paste a list or upload a spreadsheet. You can also try an editable sample group first. Employee details stay in your browser session and clear when you refresh.

Add your current premium or renewal quote to see how alternatives compare. The tool lets you:

• Compare estimated monthly premiums per employee and for your whole group, including annualized premium differences.
• Filter by carrier, deductible, plan type and HSA eligibility.
• Compare benefits and available plan documents, then download a PDF to share with your broker.

December or January? Put both on the table.

Before settling on a January renewal, compare December 2026 and January 2027 coverage start dates. A different start month can change the rates shown for your group. The tool helps you see the difference in dollars, not just percentages.

Bring those results to your broker and ask: Is a December start an option for us? How would it affect our existing coverage, deductibles and renewal schedule?

Start a fresh conversation with your broker

These are estimates based on public filings, not formal quotes. Your broker can confirm eligibility, provider networks and final pricing, and help weigh the tradeoffs.

BHT built this tool to help Washington employers head into the next year with clearer options and more specific questions. You can also see which displayed plans include Nice Healthcare when purchased through BHT.

Try BHT’s free comparison tool and bring a fresh comparison to your next broker conversation.