Most employers absorb the increase by raising deductibles and copays. There is another route. Lower the fixed premium you pay the carrier, then use the difference to cover employee medical costs directly. Same carrier, same network, same doctors.
No contact details required to see a figure. If your plan is already too lean for this to help, the tool says so rather than inventing a number.
What your company pays for employee medical coverage today.
2026 medical trend runs 8.5 to 9.5 percent before employers cut benefits to offset it.
Then see what could be savedNothing is sent anywhere.
Anyone can show you a lower premium. The question that matters is what is left after your people actually use the plan. Add your details and this runs the same structure used to build a real proposal.
Ten fields, about two minutes. Nothing is submitted and no contact details are required.
Add your figures above to see the range.
That is the point of the structure. The premium falls, a Section 105 plan covers what the leaner design no longer does, and the plan experience your people actually have is the same or better than before.
What the pool does not spend is yours. Many employers put some of it straight back into the benefits package, which is how a cost reduction becomes a recruiting advantage rather than just a saving.
The saving comes from the gap between the plan you buy now and a leaner design. If that gap is small, so is the opportunity.
Five decades in employee benefits, and a member of the National Association of Health Underwriters for over fifty years. Clifford has spent that career building alternative funding structures for employers, and holds a Bachelor of Science in Electrical Engineering.
He enrolled more than 5,000 employees for Lifeguard HMO, and his work has repeatedly been first of its kind:
All third party names and marks shown are the property of their respective owners. Their appearance identifies carrier and administrator appointments held by Clifford Der as a licensed producer, CA License #0474385, and does not imply any endorsement, sponsorship or affiliation.
Share your numbers and Clifford will review them personally. This is a request for an illustration, not a quotation or an offer of coverage.
Your current spend and expected increase gives a projection in seconds. The full illustration takes about two minutes and tells you plainly if the answer is weak.
