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 1High-Cost Claimants
Step 2Add 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.
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 3Auto-calculated from your premium. Override any value if you have actual quotes.
Cost Trajectory:
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
See how your benefits investment affects what your business is worth
Health Funding Cost Projector
Compare fully insured, level-funded, self-funded, and captive side-by-side
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 →Why stress test your renewal before it lands
A renewal quote is a single number, but your real exposure is a range. This stress test runs worst case, base case, and best case scenarios on your group health plan so you can see the full spread before the renewal arrives, not after.
Renewals rise for reasons mostly outside your control: medical and drug trend, a few large claims, and shifts in your census. Industry surveys have shown employer health costs climbing in the high single digits year over year, and an individual group can see more when claims run hot. Modeling the worst case turns that uncertainty into a planning number you can bring to leadership early.
The value of running scenarios ahead of time is options. Pair this with the Health Plan Cost Projector to compare funding models in detail, or the Benefits Savings Strategy Builder to find offsets before renewal.
What the stress test models:
- Worst case, base case, and best case renewal outcomes
- Fully insured versus level funded versus self funded with stop loss
- The claims level where each funding model wins
Employer premium trends, the backdrop for any renewal, are tracked in the KFF Employer Health Benefits Survey.
Frequently asked questions
What is a typical renewal increase?
There is no fixed figure, but employer health plan costs have commonly trended up in the high single digits annually in recent industry surveys, and a single group can land above that after a heavy claims year.
How early should I run scenarios?
Ideally a few months before your renewal date, while you still have time to act, change funding, adjust design, or market the plan, instead of accepting the first number.
What can I do if the worst case hits?
Common levers include moving to a funding model that better fits your group, adjusting plan design and contributions, capturing tax savings, and marketing the plan to other carriers.