Simple Calculator

Simplified Monte Carlo model

Enter core launch assumptions to estimate recommended Anchor premium for 99% survivability and 80% MLR, then compare against a high-deductible plan.

Inputs

This simplified model uses the Texas cash-price savings dataset and focuses on launch-level assumptions.

Initial users Annual user growth (%)

Initial capital (USD) Months until launch

Employees at start Projection years after launch

Employees per 1,000 users Scale headcount with users

Baseline negotiated claims PMPM Competitive HDHP premium PMPM

Use optimized network view (exclude San Antonio MRI outlier)

Run the model to generate recommendations.

Outputs

Recommended Anchor premium PMPM -

Viability score (gates passed) -

Overall viability status -

Solvency gate -

Pricing/MLR gate -

Market value gate -

Return gate -

Projected survivability -

Modeled average employees -

Min cash (P5) -

Payback probability (<= 36 months) -

Median payback month (if achieved) -

Projected MLR -

Competitive HDHP premium PMPM -

Premium delta (Anchor - HDHP) -

User annual cost/member (Anchor premium + OOP) -

User annual cost/member (HDHP premium + OOP) -

User annual cost delta/member (Anchor - HDHP) -

User annual cost (initial users, Anchor) -

User annual cost (initial users, HDHP) -

Total healthcare annual/member (Anchor) -

Total healthcare annual/member (HDHP) -

Total healthcare annual (initial users, Anchor) -

Total healthcare annual (initial users, HDHP) -

Total healthcare cost delta PMPM -

Total healthcare cost delta annual/member -

Total healthcare cost delta annual (initial users) -

Patient savings vs HDHP PMPM -

Patient savings vs HDHP annual/member -

Anchor profit annual/member -

Anchor profit annual (initial users) -

Anchor profit margin -

Model note

Results use Monte Carlo simulation with procedure-level savings blended into total medical spend assumptions. User cost view assumes Anchor has $0 modeled OOP at point of care. Team cost can scale with users by the configured staffing ratio. Payback is measured as the first month after launch when simulated cash recovers to initial capital.