[U]Background[/U]: Employer HQ is in NY with a satellite office in MA. Total FTE 96. Same FIN. Both locations renew on different dates. 1/1 for NY and 4/1 for MA with local carriers. Each location individually community rated. In 2014 company decided to consolidate both locations to the local BCBS plan in NY w/ HQ and go Experience Rated and adopt the MA renewal date due to plan differences, premium savings north of 100K, and ease of administration. Changing the NY date caused less disruption since they were on a copay plan and the MA population had a plan with a $500/$1000 Deductible single/f
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