Proven Impact for Clients
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Flat renewals in rising-cost markets
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Ongoing renewal process – never reactive
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Claims fund refunds via level-funded plans
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Multi-year cost trend modeling
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Pharmacy carve-out savings identified
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Cost saving plan designs that maintain quality
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Ongoing Renewal Approach
Continuously Pulling Data
We request claims data, utilization reports, and carrier loss ratios to build an accurate renewal picture.
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90+ Days: Market Review
We take your plan to market — running RFPs with all relevant carriers and evaluating alternative structures.
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90+ Days: Options Presented
We present a clear comparison of renewal options with cost projections, plan changes, and recommendations.
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90+ Days: Decision & Implementation
We execute the chosen strategy — carrier paperwork, employee communications, and enrollment updates.
Common Questions
Not always – but often. Our clients consistently outperform the market average on renewal increases because we go to market with data, negotiate from a position of strength, and prepare 90 days in advance.
Level-funded plans offer most of the upside with capped downside risk. We help employers as small as 25 employees explore this structure with stop-loss protection in place.
A current plan summary, your last 2-3 years of renewal history, and census data is enough to begin a meaningful analysis. We guide you through exactly what to pull.
EMPLOYEE BENEFIT SOLUTIONS
Cost Containment
Strategy
Benefit costs don't have to rise every year — but they will without deliberate strategy. Triangle Benefits uses claims analytics, market benchmarking, and carrier leverage to help employers find meaningful savings without reducing the quality of employee coverage.
Cost Containment Strategies We Deploy
01
CLAIMS DATA
ANALYSIS
We analyze your claims trends — high-cost claimants, utilization patterns, pharmacy spend — to understand what's driving your costs and where intervention will have the most impact.
02
CARRIER
NEGOTIATION
Our long-standing carrier relationships give us negotiating leverage that individual employers rarely have. We go to market on your behalf with data — not guesswork.
03
MARKET
BENCHMARKING
We compare your plan design, contribution strategy, and renewal rates against comparable employers in Connecticut and nationally — so you know exactly where you stand.
04
ALTERNATIVE
FUNDING MODELS
For eligible employers, we evaluate level-funded and self-insured arrangements that can significantly reduce premium spend while maintaining excellent employee coverage.