Rate My Benefits

Know what your benefits dollars are really buying.

Healthcare decisions are being made without visibility into the underlying economics.

Healthcare may be one of the largest expenses on the balance sheet — yet many organizations have limited visibility into how effectively those dollars are performing. Rate My Benefits helps employers benchmark their current strategy and identify whether meaningful opportunities may exist before renewal pressure takes over.

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No SSNsNo disruptionBenchmarkingBroker-friendly pathsVendor intelligence

Independent · Advisor-first

Built by advisors.
Designed for every advisor.

Rate My Benefits was created by advisors who believed there had to be a better way to analyze healthcare plans, protect sensitive employer information, and help employers make evidence-based decisions.

Whether you're an independent consultant, regional agency, or national brokerage, the platform exists to make you more valuable to your clients—not compete with you.

Your client relationships remain yours.

Your employer data remains yours.

Your recommendations remain yours.

We provide the intelligence that helps you make better decisions.

We don't sell insurance. We don't compete for your clients.
We help you deliver a higher standard of healthcare consulting.

Independent. · Evidence-driven. · Advisor-first.

Economics

Dial in your healthcare spend.

Before your next renewal meeting, know where your money is going and where the biggest opportunities may live.

This calculator applies healthcare purchasing economics to estimate claims spend, administrative cost, and potential savings opportunities based on your annual healthcare spend.

We combine industry benchmarks with independent intelligence to identify misalignment, benchmark your plan, and uncover measurable savings.

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Independent analysis.We are not owned by insurance companies, providers, or PBMs. Our only loyalty is to better outcomes.

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Better decisions.Clear, data-driven insight helps you negotiate from strength at renewal.

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Real impact.We uncover hidden opportunities that drive measurable savings to your bottom line.

Important: This calculator is illustrative only. Exact scope, assumptions, and deliverables are finalized after a cursory analysis.

Annual healthcare spend

Type or slide from $0 to $100M

$5,200,000

$0$25M$50M$75M$100M

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Claims spend (85%)

$4,420,000

Medical, pharmacy, provider services, utilization, and the care decisions driving most healthcare dollars.

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Administration (15%)

$780,000

Carrier retention, broker compensation, PBM spread, stop-loss, TPA fees, network access, and other administrative costs.

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Savings opportunity

$520,000

10% starting point. Typical range: 10%–60% of total spend depending on plan design, vendor contracts, and claims patterns.

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Renewal leverage

10X

Stronger data. Clear options. Better negotiation position. That’s how we create measurable outcomes.

Medical loss ratio assumption (claims as % of total spend)

Defaults can be adjusted in the full analysis.

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What could you save?

Our analyses identify opportunities across multiple areas of your plan. Savings potential typically ranges from 10% to 60% of total spend.

$520,000 – $3,120,000

Estimated annual savings opportunity (10% – 60%)

The Pareto principle in healthcare

Focus where it matters most.

In most healthcare plans, a small portion of members and services drive the majority of costs.

The Pareto Principle helps leadership understand where to look first for the greatest impact.

80%of spend

High-cost claimants and services (top 20%)Drive roughly 80% of total spend. Focus: chronic conditions, complex cases, catastrophic claims, specialty Rx, and utilization patterns.

All other members (remaining 80%)Drive roughly 20% of total spend. Focus: prevention, access, plan design, steerage, and cost-effective care.

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By applying the Pareto Principle, we help you focus on the areas that create the biggest results — so you can improve outcomes and reduce spend.

Prepare for your next renewal meeting with independent healthcare intelligence.

We benchmark your plan to reveal opportunities.
We quantify savings potential and risk.
We arm your team with data to negotiate better.

Start Your ReviewNo cost. No obligation.

Start safely

Two things. That’s all it takes to begin.

We are intentionally reducing friction. Most organizations already have enough information to see whether a deeper review is worth discussing.

Participation countHow many employees are currently enrolled in the health plan?

Annual healthcare spendApproximate annual employer healthcare spend across enrolled employees.

No census files. No SSNs. No disruption. Everything else can come later if the opportunity is worth pursuing.

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Who it serves

One intelligence platform. Different perspectives.

Rate My Benefits helps employers evaluate strategy, gives advisors a smarter way to guide clients, and creates visibility for vetted solution partners inside a more accountable healthcare ecosystem.

Employers / HR / Finance

See what your healthcare dollars are actually buying. Benchmark costs, identify leakage, and evaluate strategy with executive-level clarity.

Employer path → Advisors / Brokers

Bring clients a more sophisticated view of renewal strategy, benchmarking, and measurable improvement opportunities.

Advisor path → Vendors / Solution Providers

Participate in a curated ecosystem focused on transparency, measurable outcomes, and better healthcare economics.

Vendor path →

The documentary

Before you rate your benefits, understand the game.

It’s Not Personal, It’s Just Healthcare explains why employers and employees keep paying more, getting less, and accepting the same broken rules.

See the Documentary →

The assessment gives employers the math. The documentary gives them the context.

Benefits are too expensive to leave unrated.

With just two numbers, you can begin measuring what matters.

Start my review ↗