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Premium Renewal
Stress Test

See exactly how different funding strategies handle your specific claims scenario, and how much you could save over the next 2 to 6 years.

Company & Plan Information

Step 1
Employer + employee monthly cost across all enrolled employees

High-Cost Claimants

Step 2

Add the high-cost health events you want to stress-test. These claimants populate the High-Cost Claimant Events scenario in the year-by-year timeline below.

How it works: Each claimant represents an annual claims cost (e.g. a $500K transplant, a $150K specialty Rx patient). In the timeline below, you choose which years these events occur, the tool then projects how each funding strategy absorbs the cost at the next renewal. No claimants? You can still use % Increase, Stable, or Decrease scenarios.
＋ Add High-Cost Claimant

Each year's scenario describes what happens to the group's health during that year, and drives the next year's renewal price. Select to apply the claimants above, or use for % changes.

Year 1 Plan Costs by Funding Strategy

Step 3

Auto-calculated from your premium. Override any value if you have actual quotes.

Taft-Hartley Premium Calculator EXACT RATES
Maximum Projected Savings vs. Your Current Strategy
$0
· -Year Projection · Best Available Strategy

Cost Trajectory:

Annual cost by funding strategy: least expensive at bottom, most at top

Premium Projection:

Ranked: least → most expensive

What Would It Take to Switch?

Typical transition requirements. These are general estimates: timelines, costs, and requirements vary.

Always confirm specifics with a licensed benefits advisor before making any funding changes.

How Renewals Work: Why Costs Differ by Funding Type

Understanding why each funding arrangement renews differently is key to managing costs.

Want a Custom Implementation Roadmap?

Optional: a benefits specialist can review your results and provide vendor-specific recommendations, carrier comparisons, and a phased rollout plan tailored to your budget.

Your information is private. We never sell your data.

Download Your Analysis

Your complete projection: no email required.

Go Deeper With Your Numbers

Use our other free tools to refine your analysis and find additional savings:

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Benefits Savings Strategy Builder

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Benefits Package ROI Calculator

Calculate the full ROI of your benefits package including retention and productivity

Ready for a Personalized Analysis?

Our team can model custom scenarios and walk you through implementation.

Schedule a Call →