Interactive Tool
Self-funding viability calculator
Start with the two numbers you already know — your current premium and your last renewal — and we’ll project how a self-funded plan could compare across a best-case, expected, and worst-case year. No claims data required.
Your group
Just the basics from your current plan — everything else is estimated for you.
This is the portion of your premium the carrier pays back out in claims. Some carriers share it at renewal. Not sure? Leave it at 80% — a typical figure for employer plans.
Pre-filled with typical values. Your FBP advisor refines these with real stop-loss quotes.
Estimated annual comparison
Projected fully-insured cost next year (at +10% renewal): $643,500 / year
Today’s premium: $585,000 / year
With these inputs, self-funding may not clearly beat your current fully-insured cost. Small changes in claims experience, plan design, or stop-loss pricing can shift the outcome — a feasibility review can pinpoint whether it is worth pursuing.
Your loss ratio drives claims
Projected claims are your premium multiplied by your medical loss ratio — the share carriers pay back out in claims. It is the honest lever behind the estimate.
Claims are the variable
You pay actual claims as they occur. In a healthy year you keep the savings instead of paying it as premium.
Stop-loss caps the risk
Specific stop-loss protects against one large claim; aggregate stop-loss caps your total claims liability for the year.
This calculator provides directional estimates for general educational purposes only. It projects claims from your loss ratio and uses typical assumptions for stop-loss and administration — it is not a quote. Actual self-funding costs depend on your group’s demographics, claims history, plan design, and underwritten stop-loss pricing. Talk with an FBP advisor for a feasibility review specific to your organization.