Estimate your annual savings versus a traditional group plan. Drag the sliders to match your business — the numbers and chart update instantly.
Defaults reflect 2025 KFF averages (employer pays ~$1,000/mo per enrolled employee). Adjust to your actual numbers for a precise estimate.
Illustrative estimate only, not a quote. Group-plan projection assumes a 6% annual premium increase (2025 KFF trend); Choice allowance assumed held flat. Actual savings depend on your census, location, and plan selections.
Your current per-employee monthly cost × 12 × headcount, adjusted slightly for coverage mix (family skews higher).
The fixed allowance you set × 12 × headcount. This is capped and predictable — it doesn't rise at renewal.
We compare a group plan rising 6%/yr (the 2025 KFF trend) against your flat allowance, cumulatively over three years.