This free guide shows you how leading employers are cutting costs by 10–15% and escaping the renewal trap for good.
This free guide shows you how leading employers are cutting costs by 10–15% and escaping the renewal trap for good.
YES! This Guide Is For You, Especially If...
You want to...
Learn why 2026 changes everything for employer health plans
See how modern companies are winning with the ICHRA “Reframe” model
Discover how to turn unpredictable renewals into a defined-cost strategy.
Get a 5-step roadmap to stabilize budgets before the next renewal hits
YES! This Guide Is For You, Especially If...
You want to...
Learn why 2026 changes everything for employer health plans
See how modern companies are winning with the ICHRA “Reframe” model
Discover how to turn unpredictable renewals into a defined-cost strategy.
Get a 5-step roadmap to stabilize budgets before the next renewal hits

Bonus: After you download, you’ll get access to the Reframe Readiness Checklist — a 2-minute diagnostic to see where your plan is leaking control and what to fix before renewal season.

Bonus: After you download, you’ll get access to the Reframe Readiness Checklist — a 2-minute diagnostic to see where your plan is leaking control and what to fix before renewal season.

Talk to an HR Expert
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Stearns HR | About | Services | ICHRA Reframe
© 2025 Stearns HR, Sterling Heights, Michigan — Making small businesses mighty.

Talk to an HR Expert
Open 8 AM - 4 PM EST
Stearns HR | About | Services | ICHRA Reframe
© 2025 Stearns HR, Sterling Heights, Michigan — Making small businesses mighty.