Stop guessing which benefits are worth the investment.
Model it before you lock your bid.
Every benefit dollar either drives enrollment or gets absorbed without return.
The Benefit Simulator shows you which is which.
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81 Scenarios
Simulated by one plan across 10 states
3,700
New members projected from a single simulation study
$6.4M
Incremental profit from simulation-led benefit changes
Seconds
To run a new scenario after changing one variable
The Real Cost
Benefit decisions made without simulation leave margin on the table — every bid cycle.
Most plans set benefit structures based on analyst intuition, last year’s competitor filings, and historical trends — none of which tell you what a specific change will do to enrollment in a specific county.
The result: benefits that cost $0.75 PMPM in markets where they drive no enrollment, while high-return categories stay underfunded.
Health plans that only track adequacy aren’t falling behind on compliance. They’re falling behind on strategy.
Intelligence Capabilities
From executive scenario to
benefit-level decision — in one platform.
01
Multi-Level Simulation
Executive Scorecard, Product Scorecard, and bid-level benefit simulator — all linked. No re-running data in a spreadsheet between levels.
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02
Margin Impact Modeling
See the full financial picture for each scenario — True Plan Value, per-member cost, product score movement, and enrollment delta — before committing.
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03
Spend Curve Analysis
County-level spend curves show the inflection point where enrollment response flattens. Redirect freed-up budget to categories that still move the curve.
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Three Levels of Simulation
Everyone in the room is asking a different question. The Simulator answers all of them.
Where should we compete, and with what strategy?
Portfolio-level view of competitive position across markets. For: CEO, CSO, CFO.
How does our benefit design compare, and where are we exposed?
Plan-level benefit benchmarking with TPV scoring vs. every competing plan. For: Product Team, Actuarial.
What happens if we change this benefit, in this market, by this amount?
Benefit-by-benefit simulation with enrollment projections and margin output. For: Actuarial, Finance.
"Just by tweaking a few parameters, we could simulate various scenarios within seconds to see which benefits were worth investing in."
Model Your Benefit Design
Before You Lock the Bid
Live scenario simulation with your current plan structure
and target markets.