Insurance Resources & Tools
Benefits Cost Calculator
Estimate your per-employee costs and potential savings
Please enter the number of employees and current annual premium to calculate.
Your Results:
Cost Per Employee
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Potential Annual Savings
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Optimized Annual Cost
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Based on our Plan Design Audit approach, businesses typically save 15–35% annually. These estimates assume a 25% savings through optimized plan design, alternative funding structures, and carrier optimization.
Request a Free Plan Design AuditRenewal Timeline Checklist
Stay on track with your benefits renewal process
Need Help With Your Renewal?
Don't navigate the renewal process alone. Our Plan Design Audit helps you stay ahead of deadlines and make informed decisions 9–12 months before your renewal date.
Schedule Your Plan Design AuditWorkers Comp Class Code Lookup
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Ready to Optimize Your Insurance Program?
These tools provide estimates and guidance, but every business is unique. Get a personalized Plan Design Audit tailored to your specific situation.
These satisfied clients started with a simple,
no-obligation Plan Design Audit...
These satisfied clients started with a simple,
no-obligation Plan Design Audit...
What makes Horizon Insure Business Group different from other insurance brokers?
Most insurance brokers focus on shopping rates at renewal. Horizon Insure Business Group takes a plan design approach—reviewing how your current insurance and benefits are structured to identify smarter ways to control costs and improve coverage before renewal decisions are made.
Do you only work with businesses in Pennsylvania and New Jersey?
Our primary focus is serving employers in Pennsylvania and New Jersey. This local focus allows us to provide more tailored guidance and hands-on support for regional regulations, carriers, and employer needs.
What is a Plan Design Audit?
A Plan Design Audit is a structured review of your current insurance and employee benefits program. It identifies cost drivers, coverage gaps, and design opportunities so you can make informed decisions before renewal—without pressure to change brokers.
What size businesses do you typically work with?
No. The Plan Design Audit is informational and educational. Many employers use it to understand their options before deciding whether any changes are needed.
Do I have to switch brokers to get a Plan Design Audit?
We primarily work with small to mid-sized employers, typically ranging from 25 to 250 employees, who want more control over insurance costs and benefits strategy.