Modeled annual estimate. Not a quote or guarantee.
For businesses that provide employee health benefits
Stop overpaying for employee health benefits.
Estimate the annual waste in your current plan—in under 60 seconds.
Calculate my annual overpayment- Annual estimate
- No documents
- No obligation
Calculate your estimated annual overpayment
Three plan details. Under 60 seconds. Get the number.
Estimated annual overpayment—
Your number will appear here.
Modeled examples
What overpayment can look like.
Examples use annual averages and the same preliminary model as the calculator.
Modeled annual estimate. Not a quote or guarantee.
Modeled annual estimate. Not a quote or guarantee.
Why the waste survives
Most renewals compare prices. They don’t remove the waste.
Businesses renew the same broken cost structure year after year. RenewalRx exposes the avoidable spend buried in plan design, funding, risk, and vendor terms.
The usual renewal
- Compares premium prices
- Offers familiar plan variations
- Carries existing waste forward
- Often produces short-term relief
vs.
RenewalRx review
- Evaluates total annual cost
- Examines design, funding, and risk
- Identifies avoidable overspend
- Builds for sustainable savings
The objective
Find it. Prove it. Cut it.
- 01
Find the overpayment
Enter three plan details and expose the estimated annual waste.
- 02
Prove the savings
Test the estimate against your actual plan and renewal.
- 03
Cut the cost
Move only when verified savings justify the decision.
We win when you save.
No waste. No fluff. No pressure.
Keep your current team
Evaluate the savings without requiring an automatic broker change.
No obligation
You control whether the conversation goes any further.
Vendor-paid
RenewalRx is paid by the specialist partner when verified savings are implemented.
Your next step
Cut the waste before your next renewal.
Use 30 focused minutes to test the estimate, identify what is driving the excess cost, and decide whether the verified savings justify action.
- No obligation
- Built around your renewal
- Your broker can remain involved
Your calendar opens here.
Start with the calculatorCalculate your estimate and add your contact details to continue.
The practical details
Common questions.
How is the overpayment estimate calculated?
The estimate uses your covered employee count, current total monthly premium, and plan deductible in a versioned proxy calibrated against annual case averages. It is a starting point, not a quote.
Is this a quote or guarantee?
No. The calculator produces a preliminary estimate. A specialist must review your complete plan and renewal information before any custom proposal can be prepared.
Can we keep our current broker?
Yes. RenewalRx can work alongside your existing team. You decide who participates and whether you move forward.
How is RenewalRx compensated?
RenewalRx is paid by the specialist solution partner when verified savings are implemented. Your initial estimate and review do not create a fee from RenewalRx.
What information do we need to start?
Only the three calculator inputs and basic business contact details. No employee-level health information or plan documents are required to calculate an estimate.
What happens if the savings are real?
You decide whether to provide renewal information for a custom evaluation. If the verified savings do not justify action, there is no reason to continue.