Legal
Illustrative figures, explained.
They come from sample groups, not real clients. They are not quotes. Sample 80-employee group. Not a quote. Actual costs depend on underwriting, plan design and group experience. Rates are KFF 2025 averages trended about 7%.
11–20% year-one savings
On: Home
Sample 80-employee group across conservative, expected and strong scenarios.
$0 at Tier 1
On: Home, Employers
Sample plan design; final benefits per plan document and SBC.
$1.46M premium; 85% claims $1.24M / 15% carrier $218K
On: The math
Sample 80-employee group, KFF 2025 averages trended about 7%.
Scenarios $1.29M / $1.22M / $1.16M; savings $166K / $240K / $297K
On: The math
Tier 1 shift 35/50/60%, price advantage 25/35/40%, Rx savings 8/12/15%.
Worst-year maxima $1.55M / $1.46M / $1.38M
On: Home, The math
Specific stop-loss $50K, aggregate at 125% of expected claims.
EPC 1500 Tier 2: $1,500 deductible, $25 PCP
On: Employers, Sample plans
Sample plan design.
20,000-life proposal: $150M benchmark; $133.5M / $125.3M / $120.0M
On: Sample plans
Illustrative proposal using the same scenario assumptions.