I can assemble a roster of plans at different price points and model the effect of offering various employer/employee premium cost splits. I can also see what happens if I offer a defined contribution instead of a percentage split — and what it would cost me to fund health savings accounts for workers who choose a bronze-level plan. Of course, I will have to confirm that I can actually purchase my preferred configuration with my agent or insurer, but the estimates I make should at least be good enough to narrow my options.
To do my projections, I created an Excel sheet that allows me to analyze up to 20 plans at once. I’ve been playing around with different plans and incentives, and I’m finding ways to save tens of thousands of dollars from the cost of the first plan my broker recommended. Would you like to try it? I put extra time into making it easy to use, and you can try it free. All you need is your roster of employees, with their ages, and a quote from any source. Spend some time messing around with numbers and you, too, might save significant money. The sheet and the instructions for how to use it are on my website. Be sure to read the instructions!