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Early Renewals Under the ACA: Are They Right for You?
William Gallagher Associates 
Sept. 9, 2013
"Opting for an early renewal is an idea that has emerged to delay the impact of these rating increases.... On the surface this approach has some appeal. The potential to save or delay tens of thousands of dollars of increased medical premiums is certainly something that should be considered. However, when you sit back and look under the surface, there are a few reasons why you may want to proceed with some caution."
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