The Renewal Almanac
2026 Edition · v1.0 · living page
When payer contracts actually turn over, drawn from the only public renewal-window graph in healthcare. A renewal window is the moment a contract can be reopened. We read those windows out of federal filings and serve only the ones still ahead.
645,062 practices, one renewal calendar.
These are distinct NPIs with a verified renewal window still ahead of them. The calendar is not flat. A handful of months carry most of the load, and those are the months a practice wants marked before a payer marks them.
Renewal windows, by month through 2028
strictly future · as of 2026-07Windows run from August 2026 through March 2028. The live figures name the heaviest month.
Where the windows land, top twenty states.
Ranked by the count of practices with a window ahead. The graph is deep where our sources are deep; state totals track that depth, not the size of the state.
Practices with a renewal window, by state
loadingHow we know a contract is about to turn over.
Payers publish contract terms in their federal Transparency-in-Coverage files. Some of those files carry an expiration date. We read it, verify it, and keep it only if it is still in the future and clears our filler checks.
Strictly future, filler excluded.
A window is served only if its date is ahead of today and survives our filler detector. Dates piled on a single flat value, or clamped to the current date, are dropped, not counted.
Verified to a practice.
Each window is joined to an NPI through the provider registry, so the count is practices, not raw file rows. One practice, one window.
Payer concentration, disclosed
as of 2026-07This graph is roughly 81% Aetna and 11% Highmark Pennsylvania. It is concentrated, not an all-payer census. Read it as deep where it is deep and absent where it is not. A month or a state can look quiet here only because the payers who file usable expiration dates are quiet there.
Your own renewal window, with the docket to act on it.
The almanac is the map. The tool is the route. Run your NPI and see your window, the codes that move at renewal, and the memo that opens the conversation.
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