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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 2–6 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:

Business Valuation Projection

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Health Funding Cost Projector

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Benefits Savings Strategy Builder

Explore 25+ strategies with savings estimates and employee impact ratings

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 →