The decision in front of you
The cost model
Savings modeled as the difference between what a carrier retains and what your own vendors charge instead, both expressed as a share of an equivalent fully insured premium. Every component is editable. Your figures stay in this browser.
The second layer, handled honestly
Payment integrity, pharmacy contracting, site of care, and high-cost claimant management. The paper attaches no percentage to this layer, because the magnitude depends on how much recoverable waste your plan already carries. This worksheet shows the consequence of your own assumptions, nothing more.