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Which way should you fund your health plan?

Tell us a little about your group and see, in plain numbers, what each path is likely to cost — and where the real savings are. Hover any bar for the detail.

Starting cost
At renewal
2-year totals
5-year odds

What each path costs to start

What happens next year

How each path's premium moves in a good, a bad, and a catastrophic claims year — side by side. Hover any bar for what's driving it.

Two-year totals, four kinds of year

Year 1 + Year 2 together (per employee) under a good, bad, catastrophic, or big-claim year. Hover any bar.

Over five years, who comes out ahead?

We run five years of renewals 2,000 times — with self-funded paths using their carve-out strategies — and see who lands the lowest total. Hover a bar for its average savings.

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