renewalrxA PlanSavers Company

For business owners, CFOs, and plan fiduciaries

Your group health insurance is a business expense. Audit it like one.

You challenge payroll, taxes, leases, and vendor contracts. One of your largest operating expenses deserves the same independent scrutiny.

Run the 30-Second Cost Check Book a Call
  • No documents to calculate
  • No obligation
  • No automatic broker change
Expense intelligenceAnnual view
Current annual premium$1.26MExample based on supplied calculator inputs.
Structural opportunity$582K
Premium flagged46.2%
Question for managementWhat else could this capital produce?
Start friction0 docs
Broker comp0% commissions
PathCalculate first

Preliminary modeled example. Not a quote or guarantee.

Trust—and verify

Good health-plan advice deserves independent verification.

Group health insurance is too expensive and too consequential to evaluate from one viewpoint. An independent review tests the total cost, plan structure, risk, and vendor terms before another renewal becomes permanent.

RenewalRx does not take broker commissions. The existing broker can remain involved while the business gets an independent answer.

Typical renewal lens
  1. 01Compare carrier prices
  2. 02Adjust familiar plan options
  3. 03Carry the structure forward
Independent check
Owner-aligned question
  1. 01What cost is avoidable?
  2. 02What structure produces it?
  3. 03What is the verified business value?

CFO-grade governance

Do not outsource the final answer.

Measure the full expense

Treat group health insurance as a material operating cost—not an unavoidable annual increase.

Test total cost—not only renewal rate

Examine funding, plan design, risk transfer, vendor economics, and the cost carried forward from prior years.

Keep independent evidence

Document why the selected structure is reasonable for the business and plan participants.

Let the broker stay involved

An independent review can validate good advice or expose missing options without requiring an automatic relationship change.

Expense to enterprise value

Recovered cost becomes productive capital.

Using one actual anonymized employer savings example, here is how an owner or CFO can translate annual plan savings into business terms.

Annual health-plan savings$255,072Actual employer example supplied by Plansavers.
Potential EBITDA+$255,072No offsetting expense assumed.
Revenue equivalent$2,550,720At a 10% margin.
Five-year retained earnings$1,275,360Annual savings assumed to recur.
Illustrative enterprise value$1,785,504At a 7× EBITDA multiple.

Illustrative translation only. Savings, EBITDA treatment, recurrence, taxes, distributions, and valuation multiples vary. Enterprise value is not cash and is not guaranteed. Confirm accounting and valuation treatment with your CPA or valuation adviser.

The asymmetry is obvious

Checking takes 30 seconds. Ignoring it can cost years of earnings.

You do not need to fire your broker, upload plan documents, or commit to a project. Calculate the opportunity. If the number matters, book the meeting. If it does not, stop.

Calculate the Waste Book a Call

Independent savings review

Bring the numbers. Keep every option open.

Choose a meeting time on the RenewalRx booking page. No documents are required, and your broker can remain involved.

  • No obligation
  • No forced broker change
  • No documents required to start

Start the review

Run the calculator first.

The public scheduler is private until a company-branded booking page is configured. Start with the calculator and submit the review request there.

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