The compounding cost of fully insured renewals — in dollars, by year

The compounding math on fully insured renewals is predictable, and that's what makes it expensive to ignore. A 300-employee group on the fully insured path pays $1.1 million more per year by year five — and that gap becomes the floor carriers price every future renewal against. For an 800-employee group, that number could reach $2.8 million annually. Every renewal cycle that passes widens the gap and raises the cost base any future transition starts from.

This analysis runs both scenarios year by year so you can place your own premium against a reference point that fits your scale and walk away with a projection you can take into a planning conversation.

Download the projection to see both trajectories side by side, with the five-year cumulative cost of each path.

Request a HUB Funding Strategy Assessment to model your own numbers.