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Sketch your team or upload a census. Every member is priced against every filed 2026 plan in their county, on real rates.

We send the full member-by-member analysis here.

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Real 2026 on-exchange rates for the county shown (CMS and state marketplace public use files). ICHRA model: every member shops all county plans, priced at their age (New York community-rates every member, so age does not change the premium), unsubsidized. The headline is the best-case bound and is always labeled “up to”; a premium comparison, not a benefits-equivalence claim. Group cost defaults to the KFF 2025 average, not a quote for your company. Runs are stored as derived data only — the ages used, ZIP codes, and results; never names, birthdates, or file contents.

Estimates only; not financial, tax, legal, medical, coverage, or insurance advice.