Free · No login · 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 |
|---|---|---|
| What are my options in the first place? | 12 health plan designs compared What each one is, where the savings come from, and the trap. Plus what's available at your size | CMS filings, IRS, KFF |
| If I change the plan, can my people keep their doctors? | PPO availability by county Whether out-of-network coverage is purchasable where your people live, or not at any price. 1,359 of 3,143 counties have none on the marketplace | Every plan filed, CMS 2026 |
| 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 (ICHRA) vs group plan Your plan cost and your employee list, priced against marketplace plans 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?
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 a 20-person group usually shouldn't self-fund, what lasering is, and the no-new-lasers clause to ask for.
What is a CHOICE Arrangement?
A plan design where you set the budget and your people buy their own coverage. What the rename from ICHRA changed, what it didn't, and how compliance works at 9.96% for 2026.
NEW · BY STATE
What does coverage cost in Texas?
Filed 2026 rates for 254 Texas counties and 27 rating areas. The approved 24.3% increase, the 71% spread across the state, and what fits a Texas employer.
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?