Benefitra 2028 Small-Group Renewal Forecast, by State: file manifest
Current version: v1.0-preview (2026-09-29)
Official scored version: [freeze date: TBD, before first 2028 filings]
Contents: public-data-derived state aggregates only (CMS URR PUF state small-group averages; state DOI / SERFF / RateReview 2027 averages). No personal or client data.
License: CC BY 4.0 for Benefitra-derived tables; CMS data remains under its own terms.
Page: https://benefitra.com/renewal-forecast-2028/

sha256  file  version  date
244fe629bff505252d6471d6fcfb8adef170c7bc206404d3d378a839c6759d0f  renewal-forecast-2028-v1.0-preview.csv  v1.0-preview  2026-09-29

Columns: state, basis_2027, rate_2027_pct, forecast_2028_pct, range_low_pct, range_high_pct, avg_2029_2032_pct, cum_5yr_2028_2032_pct, premium_2032_per_10k, basis_2027_source, basis_2027_as_of
premium_2032_per_10k = what $10,000 of 2027 annual premium becomes in 2032 if every forecast renewal (2028-2032) happens as forecast.
range_low_pct / range_high_pct = likely range for the 2028 renewal: forecast -3.0 / +6.0 pts (10th / 90th percentile of past misses in the CMS backtest).