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AI agent for chief human resources officers

Benefits Renewal Cost Review Agent

Test the renewal against data and alternatives so HR chooses a plan with eyes open

DecisionsAnalysisBudgets and moneyExecutives and strategyHuman resourcesManagement
See how it worksGet access
Benefits Renewal Cost Review Agent: what goes in, what the agent does and what you get

What it does

The medical renewal arrives six weeks before open enrollment with a 14 percent increase and little explanation. This agent reads the quote and compares it with last year's rates and the plan's claims experience. It models plan design changes, such as higher deductibles or a narrower network, and estimates their effect on cost and on how many employees would likely move plans. If the increase exceeds the threshold HR set, it drafts a request for alternate quotes and tracks replies. It then re-runs the comparison with each new quote. It prepares a short recommendation with the cost, participation effect and trade-offs. The HR leader approves the plan sent to the broker. Edge case: if claims data is under 12 months old, it flags the quote as hard to judge.

How it works

Follow the arrows from top to bottom. The orange dashed arrow is the loop: when a check fails, the agent goes back and tries again.

Start and resultWhat it doesA check on its own workWaits for your OKGoes back and retries
Yes, continueYes, continueApprovedNoNo 1 STARTS WHEN Renewal quote arrives 2 USES A TOOL Read the quote, prior rates and claims experience 3 DOES Compare the increase with trend and claims 4 DOES Model plan design changes and cost per employee 5 CHECKS THE RESULT Is the increase within the budget threshold? If not: Draft a request for alternate quotes and modelmore design options. Back to step 3. 6 USES A TOOL Track replies and load new quotes 7 CHECKS THE RESULT Do at least two options fit the threshold andparticipation target? If not: Request more quotes or widen the plan designoptions and rerun. Back to step 6. 8 DOES Draft the recommendation with costs and trade-offs 9 YOU APPROVE HR leader approves the plan sent to the broker 10 RESULT Renewal recommendation and decision log
Read the steps as a list
  1. Renewal quote arrives
  2. Read the quote, prior rates and claims experience
  3. Compare the increase with trend and claims
  4. Model plan design changes and cost per employee
  5. Is the increase within the budget threshold?If not: Draft a request for alternate quotes and model more design options. Back to step 3.
  6. Track replies and load new quotes
  7. Do at least two options fit the threshold and participation target?If not: Request more quotes or widen the plan design options and rerun. Back to step 6.
  8. Draft the recommendation with costs and trade-offs
  9. HR leader approves the plan sent to the brokerThe agent waits here for your OK.
  10. Renewal recommendation and decision log

How it decides

It accepts a quote only if the increase is within the budget threshold. Above it, it requires at least two alternate scenarios or quotes before recommending.

  • Challenge any increase above 8 percent
  • Require two alternates before recommending when above threshold
  • Check expected participation shifts against a 5 percent tolerance
  • Flag quotes based on less than 12 months of claims

Make it yours

Every agent is a starting point. You choose these settings for your own situation.

  • Increase threshold (default 8 percent)
  • Alternate quotes required (default 2)
  • Participation tolerance (default 5 percent)
  • Plan design options modeled (default deductible, network, tier)

What keeps you in control

It always asks you first

  • HR leader approves the request to the broker
  • HR leader approves the final plan recommendation

Hard limits

  • Never accept or reject a quote on its own
  • Never contact the broker without approval
  • Keep claims data aggregated and anonymous

It stops when

  • Done: Plan chosen and communicated by HR
  • Stop: Quotes cannot meet the threshold, so hand the options to the HR leader

Set it up

We guide you through the set-up, step by step

Members get the full set-up guide for this agent. No technical skills needed: you copy, paste and upload.

10 minto set it up in your AI
5 AIsChatGPT, Claude, Copilot, Gemini, Grok
  • One set of instructions to paste into your AI, with the clicks for ChatGPT, Claude, Microsoft 365 Copilot, Gemini and Grok
  • The agent then walks you through connecting your own data, one source at a time
  • A downloadable copy with the flow chart, the rules and the full guide
Get access to this agent

An example run

What happensThe medical quote rises 14 percent, from $812 to $926 per employee per month, over an 8 percent threshold. The agent models a $500 higher deductible, saving $41. It requests two quotes, one arrives at 9.5 percent. After a rerun two options fit the threshold. The HR leader approves sending the higher-deductible option to the broker.

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