Group health insurance savings engine

Stop overpaying for group health insurance.

Three plan numbers show whether your renewal may be carrying avoidable waste. Get the savings number, then book the review if it matters.

See My Savings Number Book a Call

Fast check30 sec.No documents to start

Start point3 inputsRun the estimate first

Comp model0%broker commissions

RenewalRx calculator

Estimate annual overpayment

Enter three plan numbers. No documents required.

30 secondsNo documents

Estimated annual overpayment—

Your number will appear here.

Actual employer savings

Real savings examples. Big enough to change the business.

Scan the savings ticker, then run your own number.

IT Company$63,952actual annual savings

Manufacturing Company$70,342actual annual savings

Construction Company$129,773actual annual savings

Professional Services Company$220,097actual annual savings

Logistics Company$255,072actual annual savings

Hospitality Company$293,412actual annual savings

Retail Company$401,778actual annual savings

Healthcare Company$582,426actual annual savings

Engineering Company$686,348actual annual savings

Distribution Company$929,679actual annual savings

Actual anonymized employer savings examples supplied by PlanSavers. Your result depends on your current plan, renewal, and group profile.

Private review path

Start with the savings number.

A company-branded scheduler is required before public booking opens. Run the calculator first, then submit the private review request if the number matters.

RenewalRx reviewPrivate request

Step 1Run calculator

Step 2Share context

Step 3Schedule privately

Book a Call

No personal scheduler is exposed on the public site.

RenewalRx savings engine

A cleaner way to pressure-test the renewal.

Most businesses get a price comparison. RenewalRx turns the renewal into a decision system: diagnose the overspend, validate the savings, and move only when the economics justify action.

Run the savings engine

Plan waste reviewLive diagnostic

InputCurrent premium

ModelEstimated waste

DecisionBook review

Time to signal30 sec.

Documents needed0

Broker commissions0%

Diagnose

Expose the likely overspend before renewal pressure takes over.

Translate

Convert savings into owner earnings, EBITDA, and revenue equivalents.

Govern

Review without forced broker change, documents, or obligation.

Act

Book the review only when the number is worth a real conversation.

How RenewalRx works

Diagnose it. Validate it. Treat it.

01
Diagnose the overspend
Enter three plan details and expose the estimated annual waste.
02
Validate the diagnosis
Test the overspend against your actual plan and renewal.
03
Treat and monitor
Act when verified savings justify it, then monitor the plan so waste does not return.

Why typical renewals miss waste

Most quotes compare prices. They don’t remove the waste.

Businesses renew the same broken health-insurance cost structure year after year. RenewalRx exposes the avoidable spend buried in plan design, funding, risk, and vendor terms.

Typical renewal

Compares premium prices
Offers familiar plan variations
Carries existing waste forward
Can pay more when premiums rise
Often produces short-term relief

RenewalRxStructural review

RecoveredSavings

RenewalRx review

Evaluates total annual cost
Examines design, funding, and risk
No broker commissions
Identifies avoidable overspend
Builds for sustainable savings

For business owners

That money can stay in the business.

Click through actual anonymized employer savings examples below. If the waste is real, recovered cost can become operating performance, owner earnings, debt capacity, hiring capacity, or enterprise value.

Annual savings used$255,072

Selected case study

Logistics business

Fleet, fuel, hiring, debt, or owner earnings capacity that can stay inside the business instead of disappearing into renewal waste.

Annual savings: $255,072
Illustrative enterprise value: $1,785,504
Five-year retained operating earnings: $1,275,360

$255,072 potential EBITDA lift$1,785,504 illustrative enterprise value at 7×$2,550,720 revenue needed at 10% margin

Potential annual EBITDA+$255,072Assumes no offsetting expense.

Illustrative enterprise value$1,785,504At a 7× EBITDA multiple for valuation context.

Revenue needed at 10% margin$2,550,720The sales required to create equivalent earnings.

Five-year retained operating earnings$1,275,360Assumes the annual savings recur unchanged.

The cost of checking30 seconds.

The cost of ignoring itPotentially seven figures every year.

There is no rational reason to carry an expensive renewal forward without running the numbers. No documents. No obligation. No forced broker change.

Run the 30-Second Check Book a Call

Savings examples are actual anonymized employer savings figures supplied by PlanSavers. Business-impact and 7× enterprise-value translations are illustrative, not accounting, tax, valuation, fiduciary, or insurance advice. Actual EBITDA treatment, recurrence, taxes, distributions, and valuation multiples vary by business.

Choose the fastest path

Built for owners, brokers, and advisors who need a number now.

For employers

Find out if the renewal is wasting money.

Use the calculator first. If the number matters, book the savings review.

Employer path

For brokers

Send the ugly renewals before they become lost cases.

Bring the distressed case. RenewalRx helps diagnose the structure and preserve the opportunity.

Broker path

For advisors

Open a board-level savings conversation.

CPAs, CFOs, PE operators, and capital advisors can introduce a low-friction expense review.

Advisor path

Financial professional referral channel

A cleaner introduction for clients who think in EBITDA, enterprise value, and avoidable operating cost.

RenewalRx gives CPAs, fractional CFOs, CEOs, PE operators, VC advisors, and finance-led consultants a credible way to surface health-plan waste without pretending to be the broker of record.

Partner With RenewalRx Book a Call

Referral memoClient expense review

Audience: Owner, CFO, board, sponsor
Signal: Group health plan may contain avoidable waste
Risk posture: No PHI, no obligation, no forced broker change
Business lens: EBITDA, cash flow, enterprise value

Independent health-plan savings review.

No commissions. No obligation. Start with the calculator, then book the meeting when the number matters.

Keep your current team

Evaluate the savings without requiring an automatic broker change.

No obligation

You control whether the conversation goes any further.

No commissions

RenewalRx does not take broker commissions.

The practical details

Common questions.

Built to answer the questions that slow owners, CFOs, brokers, and advisors down before they take a low-stakes savings review.

Run the calculator first

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.

Does RenewalRx take broker commissions?

No. RenewalRx does not take broker commissions.

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.

Your next move

Stop carrying waste into another expensive renewal.

Start with the 30-second calculator. If the number is meaningful, book the meeting and decide from evidence.