Why EIO renewals don’t depend on your claims.
Our pooled health & dental benefits protect you from sudden rate increases so you can prioritize employees’ wellness instead of worrying about affordability.
Traditionally, using your benefits makes them cost more.
When premiums are “experience rated,” meaning they’re tied to your group’s claims, you end up in a lose-lose situation:
- If your team barely touches the plan, you’re paying for something nobody seems to value;
- If they use it the way it was meant to be used, your premiums climb at renewal.
Your choices are: a low return on a predictable investment—or good return at unsustainable prices.
It’s an outdated model, and it was built for carriers’ bottom line—not for small businesses.
One expensive year, three bad options
Picture a 25-person construction company. One employee is diagnosed with a chronic condition and starts a medication that costs $20,000 a year. That’s exactly what the plan was meant to cover—but then the renewal increase was set at over 45%.
As the business owner, what do you do?
Using funds that would have gone to other things like raises or new tools.
Restricting one or more employees’ access to care they rely on.
Asking employees to share the increase, which is effectively a pay cut.
Another common answer is to shop for the same plan from a different carrier. This might work—for a year, but if the next carrier uses the same model, the claims will eventually drive rate increases. The only true solution is to change the entire pricing model.
Enterprise-level stability for businesses of all sizes.
Large employers get predictable rates because their own scale offsets one or two high claims. EIO gives small and mid-sized businesses the same advantage by treating them like one massive group, fully insured by Aetna International and Empire Life.
The past five years prove our philosophy.
EIO’s Block Performance since 2021, across our Stable-Rate Benefits Block:
14% per yearAvg EIO % Change
5.8% per year
See what your last three renewals would have looked like on our block.
Send us your renewal history and we’ll run the comparison—no proposal, no commitment.
EIO Solutions internal analysis based on aggregated industry trend reports, carrier pricing disclosures, and anonymized client renewal data, 2021–2025; illustrative of directional market patterns rather than guaranteed outcomes.