Enrollment tier mix premium calculator: what does your group cost by coverage tier?
Most small and mid-sized plans price by coverage tier. This calculator totals your premium by tier and shows the average cost per enrolled employee and the employer share.
Total your premium by coverage tier
Enter how many employees are in each tier and the monthly rate from your quote.
Applied to every tier for this estimate.
Your estimate
This calculator gives a planning estimate only. The default rates are illustrative. Use the tier rates from your quote.
Why tier mix drives your cost
Family tiers cost far more than employee-only coverage, so two groups of the same size can have very different totals. Changes in who enrolls in which tier move your premium even when rates stay the same, which is one reason a renewal can feel different from the quoted increase.
Using the average
The average per enrolled employee is a handy yardstick for comparing quotes, benchmarking against other groups and budgeting for new hires. If your mix shifts, update the counts to see the new total. The employer share can also be varied by tier in practice, so use this as a starting point.
Common questions
What are the usual coverage tiers?
Employee only, employee and spouse, employee and children, and family. Some carriers use three tiers instead of four.
Can the employer contribute differently by tier?
Yes. Many employers pay more toward employee-only coverage and less toward dependents. This estimate uses one percentage for simplicity.
Why does my premium change if rates did not?
The tier mix changed, or employees joined or left the plan.
How does this relate to a composite rate?
A composite rate averages across tiers. The average shown here is the composite that would give the same total.
Talk to us about contribution strategy
Book a 30-minute call and we will look at your enrollment, your rates and how your contribution is structured. Visit us at 41000 Woodward Avenue, Suite 350 East, Bloomfield Hills, MI 48304, or call 248.370.8853.
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