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Renewal Impact Calculator
Quantify exactly how much your current renewal rate will cost over the next 5 years. See the compounding effect and the self-funding savings opportunity in your specific numbers.
Guided Decision Journey
My renewal is too high.
Your carrier just handed you a 10–15% increase. Here's a structured, step-by-step plan to understand what's driving it, benchmark your costs, and evaluate every alternative — including self-funding.
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The problem
Fully-insured renewals average 8–12% annually. Over 5 years, that compounds to a 47–76% total increase — with no change in your benefits design or provider network.
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The outcome
A clear picture of your cost drivers, a benchmark comparison against peers, and a prioritized action plan — whether that's negotiating your renewal, moving to level-funding, or transitioning to self-funding.
Start here: Renewal Impact Calculator
6 steps · Free · No login required to start
Your step-by-step plan
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Assessment
Benefits IQ Checkup™
A 10-minute assessment of your plan design, funding strategy, and cost drivers. Identifies the specific levers you can pull to reduce your renewal — before you negotiate.
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Calculator
Benchmark Your Costs
See how your PEPM, claims ratio, and renewal rate compare to employers your size and industry. Benchmarks are your most powerful negotiating tool.
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Assessment
Self-Funding Readiness™
Self-funded employers largely eliminate the carrier administrative load driving your renewal. This 15-question assessment tells you if your organization is ready to make the move.
Already self-funded? Skip to step 5 to evaluate your TPA and stop-loss.
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Comparison
Compare TPA Vendors
If you move to self-funding, your TPA is the most important decision you'll make. Compare vendors on network access, claims processing, reporting, and cost containment programs.
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Assessment
126-Point Benefits Benchmark
The most comprehensive employer benchmark available. Compare your plan across 126 metrics — funding strategy, pharmacy, stop-loss, vendor performance, and more.