A broker I work with passed on an analysis from Humana comparing a December renewal to community rating. 5 cases, 2 would see similar rates from Community rating, possibly a slight savings, 1 would see a 17 to 27% savings. If your one of the three flat to slight savings sounds great.
At what cost to the other two...?
23% increase minimum for 1 and 43% increase for the other. Neither of those are young and healthy groups. The test and success of ObamaCare will be how many groups eat their cost sharing for the good of the pool.