Breaking up with a significant other is hard to do. But let's assume for a second you get to that point. Would you wait until your anniversary to do it? NO!
Yet many employers like you think this way when it comes to their health insurance broker. Why? I can only speculate, but maybe it's because brokers have been conditioned to be reviewed at the renewal anniversary, and this feels like the easiest time to let them down.
However, if you get to the point where it's time to break up with your broker, waiting until the anniversary is not in your best interest. Watch this short video for an explanation why.