Small Business Health Benefits Tools

Managing employee health benefits can get confusing fast—especially when you’re dealing with new hires, employee terminations, life events, contribution changes, and renewals. This page includes practical tools designed to help small employers estimate timelines, costs, and common health plan administration scenarios.

On this page you’ll find tools for:

New hire eligibility calculator

Oregon state continuation tool

Employer contribution calculator

Renewal cost stimulator

New Hire Eligibility Calculator

Estimate when a newly hired employee becomes eligible for coverage based on your selected waiting period.

Hire Date

Waiting Period

Enter the employee’s information, then click Calculate.

Final effective dates should always match carrier and plan documents.

Oregon Continuation Tool

Estimate the loss of coverage date, election deadline, and maximum continuation period for eligible employees.

Termination Date

Employee had at least 3 months of continuous coverage?

Enter the employee’s information, then click Calculate.

Oregon continuation typically allows coverage for up to 9 months for eligible employees.

Employer Contribution Calculator

Estimate the employer’s monthly and annual premium contribution based on the contribution method and number of enrolled employees.

Monthly Premium per Enrolled Employee ($)

Employer Contribution Type

Employer Contribution Value

Number of Enrolled Employees

Enter the employer’s contribution information, then click Calculate.

This calculator estimates employer premium contribution only. It does not include ancillary products, admin fees, taxes, or employer HSA contributions.

Renewal Cost Simulator

Estimate how a renewal increase could affect the employer’s monthly and annual premium costs.

Current Monthly Premium per Enrolled Employee ($)

Number of Enrolled Employees

Current Employer Contribution Type

Current Employer Contribution Value

Renewal Increase (%)

At Renewal, Keep the Same Contribution Method?

Enter the renewal information, then click Calculate.

This tool estimates employer premium contribution only. It does not include ancillary benefits, admin fees, taxes, or employer HSA contributions.

Need help applying these results?

These tools are designed to provide general estimates and educational guidance. If you need help applying these results to your company’s health plan, or if you’d like help reviewing your current benefits strategy, contact us for personalized assistance.

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Disclaimer: These tools are provided for general informational purposes only and do not constitute legal, tax, compliance, HR, or professional advice. Plan rules, carrier procedures, state requirements, and employer-specific practices may vary. Final decisions should always be confirmed with your broker, carrier, and/or qualified HR professional.