You are right, big-group rates are the lowest. Grouping smaller companies to negotiate lower rates is something we are actively pursuing. Small group prices ca

You are right, big-group rates are the lowest. Grouping smaller companies to negotiate lower rates is something we are actively pursuing. Small group prices can, on average, be more or less competitive than the individual market, depending on geography. In recent years, the prices of both types of insurance have been trending towards similarity, but there is still substantial variation region-by-region.