Composite rates for small group community-rated plans are generated from the enrollment that existed when the plan was originally issued. Because of this, composite rates from past plan years rarely match when you run quotes using a current or updated census. The enrollment mix that created those original rates may be very different from the one you’re quoting today, which makes it difficult to reproduce the exact composite amounts.

To address this, Plansight includes a simple tool that lets you override the composite rates shown on the side-by-side view. In the Rates section, you’ll see the option to illustrate rates as composite. Plansight will calculate composite values using the carrier-provided rating factors, but those calculations may not match the actual historical composite rates because the underlying enrollment has changed.

If you need to display the real composite rates from a prior plan year, click Override Composite Rates. Enter the correct values, save them, and Plansight will use your overrides for all rate calculations and totals in the illustration. This allows you to present accurate, prior-year composite rates even when the current census no longer reflects the original group makeup.