Payroll-Tax Estimate
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
Claim diversion may help offset your health plan renewal by keeping everyday claims off the plan. For many employers there may also be a payroll-tax benefit. This tool is an illustration of that secondary payroll-tax benefit only.
This calculator is for initial discussion purposes only. Actual results depend on census, payroll, eligibility, participation, program design, and implementation review.
Employer Impact Preview
Illustrate the Secondary Payroll-Tax Benefit
Enter a few numbers for a directional illustration. Your actual census and payroll data replace these assumptions during a review. Renewal impact is reviewed with your census and is not estimated here.
Savings Review (Illustrative)
Enter a few numbers for a directional illustration. Actual participation varies by employer and program design.
Current Workforce
85%
Approx. 213 participating employees
$
Your current employer share. Used for context only.
Shown for reference context
Potential Employer Impact
Illustrative payroll-tax estimate
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.
Potential employee value
Real physicians, no per-visit copay for covered services. Many participants may also see higher take-home pay.
Employer benefit economics
Current plan spend
$1,800,000 / year
Every renewal increase applies to this number. Claim diversion may help offset it.
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.
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.
Potential Employee Value
Employees and their families reach real physicians with no per-visit copay for covered services. Many participants may also see higher take-home pay. Individual results vary.
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 10 or more full-time W-2 employees, an active health plan, and a stable payroll structure.