Free ยท No login ยท No email to see the number
What are you trying to figure out?
Five tools. Public filings in, your number out.
No form stands between you and the answer. Every tool runs in your browser and shows where its numbers came from.
Nothing you type is transmitted or stored.
The tools
Which question are you stuck on?
Pick the one you'd ask out loud. It goes straight to the tool that answers it.
| What you're asking | Where to go | Built from |
|---|---|---|
| Is what I'm putting in enough? | Affordability in my county The benchmark premium where your employee lives, and the number your offer has to beat | CMS final filed rates, 2026 |
| Would this actually be cheaper than what I have? | CHOICE Arrangement vs group plan Your plan cost and your census, priced against the individual market for the same people | CMS final filed rates, 2026 |
| Am I overpaying? | Health plan cost benchmark Where your cost per employee sits against employers your size and region | KFF Employer Health Benefits Survey |
| How much is actually on the table? | Savings estimator A first-pass number from your headcount and your spend, across the whole cost base | Ranges observed across completed engagements |
| What does this word in my renewal mean? | Benefits glossary Plain English for the terms that show up in proposals and renewals | Plain English |
Guides
Want the background first?
Two guides, written for the person signing the renewal. No gate, no form.
What are my funding options?
The 6 ways to fund coverage, compared by group size, census age and industry. Why small groups usually shouldn't self-fund, what lasering is, and when a PEO makes sense.
What is a CHOICE Arrangement?
What the rename from ICHRA changed, what it didn't, how affordability works at 9.96% for 2026, and when a defined contribution beats a group plan.
Once you have the numbers, what would you do differently?
Every tool here is free and stays free. Running the same arithmetic against your own census and claims is a conversation, and that's free too.
How much could you save?