Estimates are fine. Results update as you type, and nothing you enter leaves this page.
Enter the approximate total annual medical premium for the plan.
$
Use the number of employees currently enrolled in the medical plan.
Approximately what percentage of the total medical premium does the employer pay? A close estimate works.
%
Enter the percentage increase proposed for the upcoming renewal.
%
Your renewal in dollars
Enter your plan information to see your results.
Additional Annual Cost
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Estimated Additional Employer Cost
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What 1% Is Worth
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Every 1 percentage point of your renewal represents a set dollar amount of annual plan cost.
Current premium
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Projected renewal
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Projected Annual Premium
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Estimated Additional Employee Cost
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Additional Cost Per Employee / Year
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Additional Cost Per Employee / Month
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What Could a Better Renewal Mean?
Even a small improvement in the final renewal can represent meaningful dollars.
Improve the Renewal by 1 Point
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Improve the Renewal by 3 Points
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Improve the Renewal by 5 Points
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Why This Matters
Renewal percentages can feel abstract until they are translated into actual dollars. Understanding the financial impact—and what each percentage point represents—can make it easier to evaluate negotiation, plan design changes, contribution strategy, and whether additional market review is warranted.
This calculator is intended for educational and planning purposes only. Results are estimates based on the information entered and do not represent actuarial projections, carrier quotes, or guaranteed savings. Actual costs and outcomes may vary.
From numbers to strategy
Know before you renew.
Put your renewal in context before you make your next move.
Thoughtful benefits guidance starts with a conversation. Let's talk about what matters to your business and your people.
