Has your company gotten the shaft recently with soaring group health premiums in California? Group Health rates consistently out-pace inflation and there's no end in site on when they might level off.
A lot of groups that I work downgrade their group health plans, especially when rates are going up over 10%. This leaves a really bad taste in my client's mouthes but for some, that's their only option. I've had success switching clients to other carriers who will run promotions for new groups to give them lower rates and better coverage. Since there is no penalty for switching carriers and new carriers honor current deductibles met, it's a great play for many companies.
Most doctors are on multiple networks so switching carriers isn't as bad as you may think. If your broker hasn't given you alternatives to your current plan, I would consider changing brokers to one that does.
Health care is probably the most important employee benefit and making it affordable for your company should be a priority.
Best Regards,
Brad Ballard