Re the annual increases; in the startup world (both pre and post Aca), I saw the small company switch brokers (and available plans) each year for the teaser rat

Re the annual increases; in the startup world (both pre and post Aca), I saw the small company switch brokers (and available plans) each year for the teaser rates in 2011, 2012, 2013 to avoid nearly 100% increases yoy. Still in startups, from 2016-2022, my company switched brokers with the exception of 2 years to get teaser rates. We're looking at a new broker this year to avoid a 9% increase.