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.
See exactly how different funding strategies handle your specific claims scenario — and how much you could save over the next 2–6 years.
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.
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.
Auto-calculated from your premium. Override any value if you have actual quotes.
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.
Understanding why each funding arrangement renews differently is key to managing costs.
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.
Your complete projection — no email required.
Use our other free tools to refine your analysis and find additional savings:
See how your benefits investment affects what your business is worth
Compare fully insured, level-funded, self-funded, and captive side-by-side
Explore 25+ strategies with savings estimates and employee impact ratings
Calculate the full ROI of your benefits package including retention and productivity
Our team can model custom scenarios and walk you through implementation.
Schedule a Call →