Often NGOs and companies hesitate to change insurance plans because everyone is healthy and the rates are not too high. But generally that is the best time to shop for new health insurance.
We know of several instances where companies sought to change their group health insurance while their employees were facing several major medical problems. In these situations, the quoting company will generally decline to cover the group or else provide rates that are far too high.
It is not a good time to switch insurance carriers if your employees are experiencing some major medical problems. The best time to switch is when everyone is healthy.