What will the next five years of renewals really cost you?
Most employers accept each renewal increase one year at a time. Seen together, those increases compound into a number no one planned for. Answer two questions and see yours.
Your total monthly premium for medical coverage, before any employee contributions.
The percentage your premium went up at your most recent renewal. We’ll assume increases continue at this rate.
If increases continue, the next 5 years will cost you an additional
Small increases compound into a number no one plans for.
Your annual premium, year by year
See the year-by-year breakdown show detail ▾
How this is calculated. Each year’s premium compounds on the year before, at the increase rate you entered. “Added vs today” compares every year to your current premium held flat, and the cumulative column totals those gaps — the additional dollars you’ll spend over the period if nothing changes.
This calculator provides illustrative estimates only, based on the figures you enter and the assumption that increases continue at the rate shown. It is not a quote, a prediction, or a guarantee of future rates. Actual renewal outcomes vary by plan, carrier, and year.
When was the last time your rates went down?
Rate stability isn’t luck. It comes from a proactive strategy and having access to better options.