Some years ago I helped an organization get a group health insurance quote. Because we needed to get the medical history of the group for the last three years the organization had to contact their present insurer. Thus the present insurer found out that the organization was looking around. In order not to lose the group, the insurance company immediately lowered the renewal premium by five percent. That saved the organization almost $30,000. So it is good to shop even if you don’t plan to switch. And of course shopping sometimes helps you find a better and more cost-effective plan.