Matt Ragudo · Health plan cost, explained in finance terms

Health Plan Profit Leak Check

For owners, CFOs, and fractional CFOs. In about 10 minutes, see where your group health plan benchmarks against the market, whether your renewal moved with or against it, and what to look for in your plan summary. Everything runs in your browser. Nothing you type is stored or sent anywhere.

Why treat it as a profit leak? Check the health plan the way you'd check merchant fees. A dollar of plan cost you recover drops straight to the bottom line. A dollar of new revenue keeps only 10% to 50% after acquisition and fulfillment costs. Renewals often come in at 10% to 15%, and the usual response is "we have no choice." This check gives you visibility instead. Two results are both good news: here's the leak and roughly what it's worth, or your rates check out.

1. The business

Size band: enter employees

2. The plan cost (everything below is optional)

Level- or self-funded

Pharmacy (250+ employees or self-funded)

3. Visibility questions

Your one-page summary

Health Plan Profit Leak Check: summary

EXAMPLE INPUTS: illustrative company, not a real client.

Enter revenue, employees, and plan cost above to see your result.

Cost per enrolled employee vs. market

3-year projection

Why the rate moved

Visibility score

Questions to ask before you sign the renewal

    What would sharpen this

    This estimate gets more precise with the census, the current plan summary, the renewal, and a claims report if one is available. If anything above flagged, the logical next step is a side-by-side market comparison and a review of fees and contracts. Your current broker stays in the picture; the goal is visibility, not replacement.

    Want me to walk you through it? I do a free Health Plan Renewal Snapshot: send the census, plan summary, and renewal, and I'll come back within 5 business days with a plain read on whether your rates check out. If something needs a deeper look, that's what the Health Plan Cost Audit is for. mattragudo.com/fractional-cfos · aloha@mattragudo.com

    Benchmarks, sources, and settings (all editable)

    Verify against the latest KFF Employer Health Benefits Survey each fall. Numbers marked "rule of thumb" or "assumption" are not survey figures; adjust them to your view.