Self-Funded Health Plan Savings Calculator | Centivo
Calculate Your Health Plan Savings
Estimate potential savings based on workforce size and plan assumptions.
Total cost of care savings over 4 years
Total cost of care savings opportunity over 4 years
Adjust the sliders to indicate the number of employees participating in your medical plan and discover your potential savings.
$420.4k
TotalSavings
$336.32k
EmployerSavings
$84.08k
EmployeeSavings
Employer Savings Opportunity
Employee Savings Opportunity
Tip: Tap a bar to see details.
-662840-497130-331420-16571002027202820292030
Employees on your medical plan
iApplied savings rate: 22% (based on 100 employees)
100
Your medical plan enrollment rate
iHow many employees will enroll
60%
Savings split: employer vs. employees
iChoose how savings are divided between employer and employees
80%
Current annual spend (employer, medical only)
Reset
Projected savings table
| Year | Total | Employer | Employees |
|---|---|---|---|
| Year 1 (2027) | 99k | 79.2k | 19.8k |
| Year 2 (2028) | 102.96k | 82.37k | 20.59k |
| Year 3 (2029) | 107.08k | 85.66k | 21.42k |
| Year 4 (2030) | 111.36k | 89.09k | 22.27k |
Baseline derives from your current annual spend multiplied by enrollment. Trend is applied before savings.
Assumptions
- Annual medical trend: 4% applied to baseline before savings.
- Total cost of care savings assumption: this varies based on number of employees: under 300 - 22%, 300-999 - 19%, 1,000+ - 16%, and is illustrative of average results.
- Savings allocated between employer and employees using your "split" setting above.
This calculator is provided for illustrative purposes only. View full disclaimer.
Want to explore these savings?
Talk with Centivo about plan options that prioritize affordability and access to care.
For questions about claims, pre-certification or member eligibility, please contact Centivo Member Care at providers@centivo.com.
For all other questions—including questions about joining the Centivo Network—please contact Provider Relations at providerrelations@centivo.com.
For all member and other inquiries, please contact Member Support at membersupport@centivo.com.
See how these real-world employers saved with Centivo
Cut 15% employer medical costs, saved employees 81%, and grew enrollment 86% with Centivo’s Partnership Plan.
Achieved $294 PMPM employer savings, $86 PMPM member savings and 28% enrollment growth over four years.
You’ve got questions, and we have answers
Who should use the Centivo Savings Calculator?
Any employer with 50 or more employees who wants to calculate the estimated savings potential of moving to the Centivo health plan. It’s most useful early in the evaluation process – before you’ve talked to a rep or requested a formal proposal – so you can go into those conversations with a directional sense of the opportunity.
What information do I need to use the calculator?
You will need your current employee count and your current annual health plan spend or premium. The more accurate your inputs, the more useful your estimate will be.
How accurate are the calculator results?
Results are directional estimates based on Centivo’s average outcomes across comparable employer groups – typically ~15-30% savings vs. traditional fully-insured plans. Final savings depend on your specific workforce, claims history, and plan design. Your broker or Centivo account team can provide a more detailed projection through full underwriting.
What should I do with my results?
Share your estimate with your benefits broker or consultant as a starting point for evaluating Centivo. If the numbers look promising, the next step is a formal proposal – reach out through our contact page and we will connect you with the right person.