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
$
%
Paid claims or loss ratio anchors self-funded / level-funded to your own dollars. Blank ⇒ we use premium × 78%.
National default 13%/yr — the mean of a right-skewed spread (95th ≈ 3×). PEOs serve members nationwide, so this is not state-specific.
Self-Funded / Level-Funded
State law typically sets the floor between 110 and 125 percent of expected claims.
Stop-Loss Renewal Accuracy
Higher deductible ⇒ more leverage (fixed deductible vs rising severities). Blank ⇒ baseline.
Caps the annual stop-loss-premium increase in the renewal draw.
Bounds the per-claimant adverse-year contribution.
Yes
No
Self-Funded Captive
Yes
No
Dividend is now based on the captive pool/risk-sharing premium, not aggregate stop-loss. Blank fields run on modeled defaults.
Stop-Loss Renewal Accuracy
Higher deductible ⇒ more leverage (fixed deductible vs rising severities). Blank ⇒ baseline.
State law typically sets the floor between 110 and 125 percent of expected claims.
Caps the annual stop-loss-premium increase in the renewal draw.
Bounds the per-claimant adverse-year contribution.
Yes
No
MEWA / Pooled Trust
Modeled range
Yes
No
The modeled range is centered on this figure.
Assumes the MEWA stays financially healthy. This band holds only while the MEWA’s underlying financials are sound. If those financials begin to fail, a MEWA can fail quickly — with renewal increases surging well beyond this modeled range.
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
Taft-Hartley ⇆ MEWA
Taft-Hartley
MEWA
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.
Enrolled by yearpick a growth rate above or type your own plan — every run follows this schedule
Fine-tune the model to your group? i
Yes
No
Adjust the high-leverage assumptions behind the catastrophe engine — network discount, demographic mix, claims severity — or upload your census for exact, per-member accuracy. Off by default; every number above stays exactly as modeled.
commercial-billed → allowed0.70(default 0.70)
drives NICU / maternity50% (default 50)
pediatric drugs / gene therapy25% (default 25)
scales all severity gates together1.00× (default 1.0×)
Blank ⇒ uses the Average age selector above (default).
Upload your census precision mode
Load a member list and the engine uses each member's exact age and gender instead of the sliders above — the most accurate way to model your group's catastrophe risk (dependents included: they drive NICU, maternity and pediatric conditions).
🔒 Your census is processed entirely in your browser and never leaves your device. No file is uploaded or stored.
Supported format: CSV. Using Excel? In Excel choose File → Save As → CSV and upload that. Columns are auto-detected — date of birth (or age), gender/sex, and optionally relationship/tier (employee / spouse / child). Header names are flexible.
We couldn't confidently auto-detect every column — map them here:
Upload your claims data precision input
The single most accurate input. Two optional files: (A) your aggregate paid-claims history anchors the group's claims level and trend, and (B) a high-cost claimant list lets the engine carry each ongoing claimant forward as a known case — so persistence in years 2–5 becomes fact, not just probability.
🔒 Claims data is protected health information. It is processed entirely in your browser and never leaves your device — no file is uploaded, transmitted or stored. Close the tab and it is gone.
CSV with a period (month or year) and paid claims $ column; an optional enrolled (member count) column sharpens the PMPM. Header names are flexible; you can also paste CSV below.
B · High-cost claimants
CSV with annual $, condition/category and ongoing (Y/N) per claimant. Conditions map to the engine's buckets (cancer, dialysis, cardiac, transplant, NICU, MSK, specialty-Rx, autoimmune, other).
We couldn't confidently auto-detect every column — map them here:
Explore extra savings with active cost containment strategies?
Yes
No
Model clinical cost-containment levers — Centers of Excellence, reference-based pricing, specialty-Rx management and more — bending the self-funded bad-year tail. Off by default; every number above stays exactly as modeled.
<35
35–45
>45
The condition mix below is drawn from your group’s Average age and Group health inputs — no separate age control needed.
Best solution
Worst solution
Wins over current
Loses to current
Turn on active cost containment above to see post-containment results.