Benefits Package Cost Estimator
Add up what the whole package costs the company: medical, dental, vision, life and disability, using the premiums on your own invoices and proposals. For national benchmarks to compare against, see how much employer health coverage costs in 2026.
Your Package
Example Figures
What It Says
Three Inputs for Each Line of Coverage
Every line is priced the same way, so the total is just your own numbers added up.
Premium per Enrolled Employee
Take the monthly premium from your invoice or proposal and average it across the employees who enroll, dependents included. For tier-by-tier detail on medical, use the employer contribution calculator.
The Company Share
Enter the percentage of that premium the company pays. Life and disability are often paid in full, while dental and vision are often shared. The figures shown are examples, not recommendations.
Who Enrolls
Enter the share of eligible employees who take each line. Compare your proposal with your current plan by running both sets of numbers, or test a renewal with the renewal increase checker.
An Estimate of Premium Cost, Not a Quote
The estimator adds up premiums. It does not price your group, and a carrier proposal will decide the real numbers.
Costs Outside Premium
Administration fees, stop-loss on a self-funded or level-funded plan, wellness programs, COBRA administration and compliance fees are not included. Add them separately if they apply to your plan.
Claims Variability
A fully insured premium is fixed for the year, but a self-funded plan pays claims as they occur, so a premium-style figure understates the range. Enter the fixed monthly cost only.
What employers ask about package cost.
What should I enter as the premium for each line?
The average monthly premium per enrolled employee, taken from your current invoice or proposal. If your rates are by tier, enter the blended average across the employees who enroll.
Does the premium include dependents?
Yes. Enter the average across enrolled employees with any dependent cost included, and enter the share of that total the company pays.
Why are some lines set to 100 percent?
Many employers pay for basic life and disability in full while sharing dental and vision. The prefilled numbers are examples so the page shows a working result; replace them with your own.
Is the result a quote?
No. It adds up the figures you enter. A carrier proposal for your group sets the actual premium.
What does it leave out?
Anything outside premium: administration fees, stop-loss, wellness programs, COBRA administration and compliance fees. Add those separately if they apply to your plan.
We are level-funded or self-funded. Can I use it?
Only for the fixed monthly portion. Claims you pay as they occur are not captured, so treat the result as a floor rather than the full cost.
How do I use it at renewal?
Run it once with your current premiums and again with the renewal proposal. The difference in the annual company cost is the number to bring to the renewal conversation.
Can I include voluntary benefits?
Yes. Voluntary lines are usually paid by the employee, so enter them with the company share at zero to see the payroll deduction without any company cost.
Does my information leave this page?
No. The calculation runs in your browser and nothing you type is sent to us unless you choose to send us your renewal.
Ready? Send us your renewal, or talk it through with someone first. No cost, no obligation.
General information about benefits costs, not tax or legal advice.
Related guides and tools.
Employer Contribution Calculator
Test three ways to split the medical premium and check affordability. Open the calculator.
Section 125 Tax Savings Calculator
See the payroll tax effect of running employee contributions pre-tax. Open the calculator.
All Free Benefits Tools
Every calculator and checker in one place. See the free tools.
Send us your renewal.
We’ll tell you whether it looks competitive, where we see opportunity, and the five questions we’d put to your carrier. No cost, and no obligation to move anything.
The renewal letter
Your current plan summary
Contribution split by tier
Enrolled counts by tier
Four documents — two more if your group is 50 or more. Nothing else; every extra one is a reason to postpone.
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