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So unlike the under-50 market in this over-50 market, your broker can work to get proposals from the marketplace and then have those carriers compete for your business. And that’s where prices can come down a little bit. In that community rated under 50, we can’t do that. We can’t have carriers compete for your business.

Their rates are filed. They can’t really deviate from that. Also keep in mind, make sure you look at level-funded options as well as fully insured options and that the marketplace is completely covered for you and you understand where they all came in from a price perspective.