Lets assume your health insurance renews next April and you do not even consider looking at in until February when you get your renewal letter in the mail from your current carrier. By then many of the changes required by Affordable Car Act (ACA aka Obamacare) that become effective January 1st, 2014 will be reflected in your renewal premium.
We have been looking at some of our groups and renewing them December 2013 so that will not see the effects of these changes required by ACA until they renewa in December of 2014. You have nothing to lose and it may be worthwhile to check it out.
If you want to take a look, send me an e-mail.