Payroll-Tax Efficiency
The figure above illustrates a possible employer payroll-tax benefit, based on participating employees. It is not a quote.
Illustrative Planning Tool
Benefits Strategy & Employer Savings Review
A quick look at the financial side of your benefits strategy. Claim diversion may help offset your health plan renewal, and for many employers there may also be a payroll-tax benefit. This tool illustrates the payroll-tax part and frames the rest for your review.
This calculator is for initial discussion purposes only. Actual results depend on census, payroll, eligibility, participation, program design, and implementation review.
Employer Impact Preview
Estimate Your Potential Employer Impact
Enter a few numbers for a directional illustration. Your actual census and payroll data replace these assumptions during a review.
Savings Review (Illustrative)
Enter a few numbers for a directional illustration. Actual participation varies by employer and program design.
Current Workforce
85%
50%100%
$
Your current employer share. Used for context only.
Shown as context for discussion purposes.
Participating employees: 213 of 250
Potential Employer Impact
Estimated annual financial opportunity (illustrative)
1 year$136,311
5-Year$681,557
Payroll-tax component, based on approximately $639.96 per participating employee per year. Illustrative only. Actual figures depend on your census, eligibility, employee participation, payroll structure, and final program design. Renewal impact is reviewed with your census and is not included.
Payroll-tax efficiency$136,311 per year (illustrative)
Employer benefit economicsCurrent plan spend: $1,800,000 / year
Every renewal increase applies to this number. Claim diversion may help offset it.
Potential employee value
Real physicians, no per-visit copay for covered services. Many participants may also see higher take-home pay.
Illustrative only. Results vary by census, payroll, eligibility, participation, and program design. This calculator does not provide tax, legal, payroll, insurance, or benefits administration advice. The membership is not insurance. Figures are illustrative only and depend on census, eligibility, participation, payroll structure, and final program design.
How to Read the Estimate
A Starting Point for Discussion — Not a Proposal
This calculator is intended to help employers visualize the potential scale of impact before requesting a formal review. Actual results require review of employee census, payroll structure, eligibility assumptions, program design, participation, and implementation suitability.
Employer Benefit Economics
Claim diversion may help keep everyday claims off your plan. Its effect on your renewal is reviewed with your census, not estimated here.
Formal Review
A real picture comes from your actual census and payroll data, reviewed with you before any decision.
Ready to See the Full Picture?
A brief introductory conversation helps determine whether your organization appears to meet the basic requirements before coordinating a more detailed review.
Request OverviewBest suited for employers with 20 or more full-time W-2 employees, an active health plan, and a stable payroll structure.