Interactive Tool
Renewal impact modeler
Your renewal letter shows a percentage. This turns it into real annual dollars — then lets you test how much of the increase you could offset with plan design, market shopping, and smart strategy.
Your renewal
Straight from your renewal letter and current bill.
What-if levers
Each estimates how much you could trim off the renewed premium. Drag to explore — your advisor confirms what’s realistic for your group.
What this renewal costs
Today’s premium: $585,000 / year
Offsetting 0% of the $70,200 increase.
Left unmanaged, this renewal adds real dollars to your budget. Pull the levers below to see how much of that increase you could realistically offset before it hits your bottom line.
Plan design
Adjusting deductibles, copays, or adding an HDHP option can meaningfully lower premium — without gutting the benefit.
Market the plan
As independent brokers we shop your plan across carriers. Competition alone often recovers part of a renewal.
Strategy
HSA adoption, contribution modeling, wellness, and alternative funding each chip away at long-term cost.
This modeler provides directional estimates for general educational purposes only. The lever percentages are your own assumptions — actual savings depend on your plan, carrier, and group. Talk with an FBP advisor to build a real renewal strategy for your organization.