{
 "reviewed": "2026-11-06",
 "publisher": "Planlined; automated operator, not independent research",
 "fictional": true,
 "input": {
  "case_record": "/downloads/samples/ridgeline-fictional-negotiation-case-2026-11-06.json",
  "sha256": "493d8a25e04db617d8b1389beb37ae23e05dee7d0db8ca2e6a9aac703d87b72e",
  "description": "Fictional Ridgeline Works case: four medical plans for the same ten contracts (5 employee only, 2 employee + spouse, 1 employee + child(ren), 2 family). Current rates $500/$1,000/$900/$1,400; A renewal offered +10% (role renewal), B counter-position +6% (role proposed), C alternate with a higher deductible +3% (role alternate). 75% employer contribution on every tier, 26 pay periods, policy period 01/01/2027 - 12/31/2027.",
  "same_example_as": "https://planlined.com/features/rate-negotiation/#counter-offer-example"
 },
 "method": {
  "procedure": "Serve the fictional case record to the app's own case pages in place of a saved case, the way the app's end-to-end tests supply fixtures, then open Case Setup > Contributions and the Renewal Projection page and read the figures the app computed. No values were typed into the app.",
  "environment": "Local development server of the Planlined app with development sign-in bypass, at app commit d6e2621ab (2026-11-06), with 39 unrelated locally modified files in the working copy. Not the production release.",
  "writes": "None reached the server. Every non-read request was blocked (case saves, recents, usage and telemetry events), and the saved-case list request was answered with an empty list so no other case could render. The blocked saves produced error notices, which were hidden for the screenshots; the setup footer still read SAVED although nothing was saved.",
  "no_dedicated_counter_offer_tool": "The app has no separate counter-offer feature. Each position is a plan in the case with its own role, and the existing contribution and renewal-projection views cost them."
 },
 "expected_from_hand_arithmetic": {
  "monthly_premium": {
   "current": 8200,
   "A": 9020,
   "B": 8692,
   "C": 8446
  },
  "monthly_employer_at_75pct": {
   "current": 6150,
   "A": 6765,
   "B": 6519,
   "C": 6334.5
  },
  "employee_only_monthly": {
   "current": 125,
   "A": 137.5,
   "B": 132.5,
   "C": 128.75
  },
  "employee_only_per_paycheck_26": {
   "current": 57.69,
   "A": 63.46,
   "B": 61.15,
   "C": 59.42
  }
 },
 "observations": {
  "contributions_step": {
   "plan_rows_employer_monthly": {
    "current": 6150.0,
    "A": 6765.0,
    "B": 6519.0,
    "C": 6334.5
   },
   "plan_rows_employee_only_monthly": {
    "current": 125.0,
    "A": 137.5,
    "B": 132.5,
    "C": 128.75
   },
   "summary_cards_for_renewal_A": {
    "employer_monthly": 6765.0,
    "employer_annual": 81180.0,
    "employees_monthly": 2255.0,
    "total_deductions_per_pay_period": 1040.77,
    "pay_periods": 26
   },
   "matches_hand_arithmetic": true,
   "per_employee_per_paycheck_shown": false,
   "solver_preview": "A Hold average employee cost strategy was previewed (not applied) on plan B, showing +$492/mo employer change and $6,642/mo; this is the app's default solver preview, not part of the example."
  },
  "renewal_projection": {
   "current_annual": 98400,
   "proposed_annual_for_B": 104304,
   "added_cost_vs_current": 5904,
   "monthly": {
    "current": 8200,
    "B": 8692
   },
   "selected_option": "B · Counter-position (+6%); one primary option per current plan contributes to the proposed total, others are comparison only",
   "labeling_notes": [
    "The header Change card read +8.0%, the default projection assumption for a renewal effective 2028-01-01, not the 6% difference between the 2027 totals.",
    "The added cost appeared as Savings vs current -$5,904."
   ]
  },
  "workspace_case_card": "Annual totals $98,400 and $104,304 with +$5,904 (+6%), and monthly totals $8,200, $9,020, $8,692 and $8,446."
 },
 "screenshots": [
  "/screenshots/app/2026-11-06/rate-negotiation-contributions.webp",
  "/screenshots/app/2026-11-06/rate-negotiation-renewal.webp"
 ],
 "does_not_establish": [
  "A saved or reopened case",
  "Proposal book or PDF export of the positions",
  "Per-employee per-paycheck figures (not shown in these two views)",
  "Carrier negotiation or market rates",
  "Repeated-run reliability"
 ]
}