I'd protest if it were me. At the very least I'd let ownwell. If you don't fight it, next year the market rate will be as high or higher. If you fight it this year, it has the potential to delay future increases. Not to mention if you somehow get it lower than the 10% increase by some miracle, you save money this year. Ownwell is interesting because it costs you nothing upfront. They charge 25% of the savings they achieve for you.