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Group Health Cost Calculator

Compare employer-sponsored, level-funded, and fully-insured group health options. 60 seconds, no signup.

Free, no signup
Updates as you type
Free quote on request
Your numbers
Estimates only. Carriers ultimately price by age band, ZIP, and plan design.
25
38
Older workforce = higher health risk = higher premiums. Sliding the age changes the modeled cost on fully-insured and level-funded.
$
70%
18%
What each path costs the employer
Based on your current numbers. Updates as you type.
Employer-sponsored plans
$0/mo
Annual$0
3-year total$0
vs. current
Level-funded
$0/mo
Annual$0
3-year total$0
vs. current
Fully-insured 2026 renewal
$0/mo
Annual$0
3-year total$0
vs. current

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We'll pair your numbers with live carrier quotes across all three options. Delivered by email within 1 business day.

Calculator estimates use industry rules of thumb: a simple age-based formula for employer-sponsored plans, a 25% healthy-group savings assumption for level-funded, and an 18% default trend for fully-insured 2026 renewals. Real quotes vary by carrier, ZIP, employee age band, plan design, and underwriting. Use this for ballpark planning, not final purchasing decisions.

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