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FIVE-YEAR SAVINGS CALCULATOR

What could self-funding
mean for your plan?

Start with your current premium. Explore how claims, fees and renewal trends could change your costs over the next five years.

This calculator assumes your current plan is fully insured. Compare the same enrollment and benefits. Results are an illustration based on your assumptions, not a personalized actuarial forecast.

1. Your current plan

States where employees are located Optional

States and network are context for your next discussion. They do not change the estimate; no location-specific tax or network discount is assumed.

2. Review modeling assumptions

These starting values are illustrative—not market benchmarks. Replace them with claims projections and quotes where available. Equal 6% trends avoid assuming self-funding automatically slows inflation.

Retained claims include medical and pharmacy costs after expected stop-loss recoveries. Include all applicable costs in fees; taxes are not deducted again.

Inputs are not saved. No contact information required.

A clearer view of the next five years.

Enter your plan details and review the assumptions to see:

  • Annual fully insured vs. self-funded costs
  • Total five-year savings or additional cost
  • A higher-claims scenario and liquidity target

Use example to explore a fictional 250-employee plan.