Predict enrollment shifts under benefit design changes
The Plan Migration Simulation Engine predicts how employees will move between plan tiers when you change premiums, deductibles, or cost-sharing structures. Using historical enrollment behavior, utilization patterns, and behavioral economics principles, it forecasts enrollment shifts at the individual level and aggregates total plan cost impacts. This allows you to test benefit design scenarios before open enrollment and optimize plan offerings to balance employee preferences with cost management goals.
Predict member-level plan selection under proposed premium and benefit changes
Quantify how enrollment changes affect employer cost, employee cost burden, and plan utilization
Test multiple benefit designs and identify the option that best balances cost and affordability
Avoid Unintended Consequences
Premium or deductible changes can trigger unexpected migration to high-cost plans, increasing total employer spend despite intended savings.
Optimize Plan Design Before Rollout
Test scenarios in simulation rather than learning through costly trial-and-error during open enrollment.
Predict Budgetary Impact
Accurate enrollment forecasts enable precise budgeting for next year's healthcare spend and contribution strategy.
Get enrollment forecasts and cost impact analysis for up to 5 benefit design scenarios before your next open enrollment.