Know the plan, the carrier and what its network pays, before the renewal.
For any employer: who insures the plan, what it costs per person against its peers, what the broker is paid, and what the network pays the hospitals near its people.
For benefits brokers: Use it to find and qualify prospects, open the first meeting with the employer’s own numbers, time outreach to the renewal, or prepare a renewal or RFP.
Send an employer name or EIN. You get the Account Brief within two business days. No claims data needed.
Sound Familiar?
Renewals Arrive With Only the Carrier’s Numbers
The renewal proposal is the only benchmark in the room, so the plan is judged on the carrier’s own terms.
Prospect Meetings Start From Scratch
Brokers walk into a first meeting without knowing who insures the plan, what it costs or what the incumbent is paid.
Renewal Timing Is Guesswork
Without the plan year end and the broker of record, outreach lands after the decision has been made.
Carriers Compared on Discounts, Not Prices
Proposals quote network discounts, not what each network actually pays the hospitals near the employer’s people.
Win the account with numbers the incumbent hasn’t shown.
Find the accounts worth a call
Which employers in your state are on a given carrier, how many people they cover, when their plan year ends and which broker holds the account. Filter by industry and size, then work the list before the renewal window opens.
Open the first meeting with the prospect’s own numbers
Five years of the employer’s premium per person covered next to the same carrier’s state median, and next to employers of its size and industry. The meeting starts from numbers the employer recognises, not a pitch.
Compare carriers on what they pay the same hospitals
At the hospitals near the employer’s people, see whether each carrier’s negotiated rate sits above or below the others for MRIs, ER visits, deliveries and joint replacements. A premium quote does not show this.
Put broker pay in context
Commissions and fees on each contract as a share of premium, against the carrier and state median. Useful when replacing an incumbent and when a client asks how your pay compares.
Win it with the Brief. Keep it with the Benchmark.
Once the employer is your client, Benefits Cost Analysis delivers the Plan Cost Benchmark: the plan’s negotiated rates procedure by procedure, every nearby hospital carrier against carrier, and where to steer or renegotiate. Ready for the client’s CFO and benefits committee.
The same decisions, made with the numbers.
68,000+ employer health plans benchmarked | 1,926 hospitals with commercial rates by carrier | 186 carrier × state markets, free to browse | 5 years of plan, premium and broker history |
Browse the market free. Request the detail for one employer.
The carrier × state pages show each market as it is. The Account Brief and Prospect List add the figures you would act on: the named employers, each one’s own costs, its renewal date and its broker.
| What | Free carrier × state pages | Account Brief and Prospect List |
|---|---|---|
| Carrier market share, plan counts and trend | By state, free | Same, plus the employer’s position |
| Premium per person covered | Carrier and state median and range | The employer’s own figure for each year, against peers by industry and size |
| Broker pay | Carrier and state median | The broker and the amount on each of the employer’s contracts |
| Hospital prices | 3 of 17 services in full; the rest by direction only | Headline: how the carrier’s hospital prices near the employer compare with other carriers |
| Employers | Counts by size and industry | Prospect List: names, people covered, plan year end, broker, broker pay |
Example of a free page: UnitedHealthcare employer health plans in Texas. UnitedHealthcare commercial rates are on record at 183 Texas hospitals, and its rate for a lower-back MRI runs from $203 to $2,518 across 81 of them.
What the Brief contains.
Plan profile
Five years, 2020 to 2024: people covered, insured or self-funded, stop-loss, carriers and contracts.
Renewal timing and the incumbent
Plan year end, the broker of record on each contract, how long they have held it and what they are paid.
Cost against the market
Premium per person covered against the same carrier, all carriers in the state, and peers by industry and size.
How the carrier compares
One headline figure each for what the carrier’s network pays physicians and the hospitals near the employer, against the other carriers.
How to open the meeting
Three talking points drawn from the employer’s own numbers, ready for the first conversation.
Once the account is won, Benefits Cost Analysis delivers the full Plan Cost Benchmark for the client: negotiated rates procedure by procedure and every nearby hospital.
Three steps, no data from you.
1. Tell us the employer
A name or EIN and the state for an Account Brief. For a Prospect List, the carrier, state, industry or size you are after.
2. Medlyze builds the comparison
We match the employer to its plan, its carriers and the hospitals in its areas, and set each figure against the market. No claims data or employee information is needed.
3. You get the Brief
Usually within two business days, as a web page and a PDF you can bring to the first meeting.
What do you need from us?
An employer name or EIN and the state, or the carrier, state, industry or size for a prospect list. No claims data, census or employee information.
Does it cover self-funded plans?
Yes. Size, funding and stop-loss are included for self-funded plans, and the report identifies the network the plan uses wherever Medlyze can match it.
How current is it?
Plan, premium and broker history runs from 2020 to 2024, with 2025 added as it comes in and marked partial. Network and hospital rates are from 2026. Every figure in the report carries its date.
Which carriers are included?
UnitedHealthcare, Aetna, Cigna, Elevance (Anthem), each Blue Cross Blue Shield company in its home state, Humana and Kaiser Permanente, plus regional insurers in the plan and premium figures.
Can I share the Account Brief with the prospect?
Yes. It is written to be put in front of the employer: its own numbers against its peers, dated and explained.
How is this different from Benefits Cost Analysis?
The Account Brief is for an employer you do not serve yet: enough to qualify the account and open the meeting. Once it is your client, Benefits Cost Analysis delivers the Plan Cost Benchmark: the plan’s negotiated rates, procedure by procedure and hospital by hospital. Win it with the Brief, keep it with the Benchmark.
Request an Account Brief or a Prospect List.
Name the employer, or tell us the carrier, state, industry or size you want a list for. Company email required. We reply within two business days.
Figures describe the plans and rates analyzed. They are not findings about any employer, carrier or broker, and they say nothing about quality of care.