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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.

See how much you may be overpaying →
Live simulation · your state's rules · five funding paths, five renewals deep
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State law typically sets the floor between 110 and 125 percent of expected claims.
Blank fields run on the modeled defaults. Dollar entries stay pinned as entered when headcount changes.
Quotes in hand? Set any path's price yourself — every chart, renewal and simulation recomputes on your numbers.
Starting cost
At renewal
2-year totals
5-year odds

What each path costs to start

Per employee / mo
Total / mo
Total / yr
Pricing basis
Conservative model
Our clients’ typical results
Level-funded ⇆ Self-funded
Level-funded
Self-funded

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

Per employee
Group / mo
Group total

Year 1 + Year 2 together under a good, bad, catastrophic, or big-claim year. Hover any bar for the year-by-year split.

Over five years, who comes out ahead?

Best solution
Worst solution
Enrolled by year pick a growth rate above or type your own plan — every run follows this schedule

Talk it through with us