Financial Tools Final Page

Eight financial tools including a detailed GA Access marketplace estimator and a brochure-based off-marketplace comparison calculator.

Financial Planning

Roth Conversion Impact Calculator

Estimate tax due today and future value tradeoffs.

Open

Inputs

Traditional IRA balance

Conversion amount

Tax rate (%)

Future tax rate (%)

Years to grow

Annual growth rate (%)

Results

Tax due today

Roth future value

Traditional after-tax future value

Net difference

Financial Planning

IRMAA Medicare Calculator

Estimate Medicare IRMAA brackets from income.

Open

Inputs

Filing status

MAGI

Results

Part B monthly

$202.90

Part D monthly surcharge

$0.00

Annual Part B

Annual Part D surcharge

Financial Planning

Cash Balance Plan Contribution Calculator

Generate a simplified contribution estimate.

Open

Inputs

Owner age

Target retirement age

Compensation

Design factor

Results

Estimated contribution

Estimated deduction

Years to retirement

Illustrative reserve

Financial Planning

ICHRA vs Group Plan Employer Cost Calculator

Compare annual employer costs.

Open

Inputs

Employees

Group plan monthly premium

Employer paid % of premium

ICHRA monthly allowance

Results

Group plan annual cost

ICHRA annual cost

Estimated difference

Per employee difference

Financial Planning

Retirement Income Gap Calculator

Estimate whether retirement income covers spending.

Open

Inputs

Monthly Social Security benefit

Annual spending goal

Investment assets

Cash

Real estate value

Withdrawal rate (%)

Results

Annual Social Security

Portfolio income

Estimated total income

Income gap

Financial Planning

Small Business Inflation Optimizer

Project revenue, profit, and margin impact.

Open

Inputs

Current revenue

Current COGS

Current operating expenses

Price change (%)

Volume change (%)

COGS change (%)

Opex change (%)

Benefit savings

Results

Projected revenue

Projected profit

Projected margin

Profit change

Health Insurance

GA Access Health Insurance Cost Calculator

Estimate routine care costs and service-level responsibility for a marketplace-style plan.

Open

Marketplace-Style Plan Inputs

Primary Care Copay

Specialist Copay

PA / Urgent Care Copay

Generic Drug Copay

Preferred Drug Copay

Plan Deductible

Out-of-Pocket Max

General Coinsurance (%)

Hospitalization Copay

Hospitalization Deductible

Hospitalization Coinsurance (%)

Ambulance Copay

Ambulance Deductible

Ambulance Coinsurance (%)

Emergency Room Copay

Emergency Room Deductible

Emergency Room Coinsurance (%)

DME Copay

DME Deductible

DME Coinsurance (%)

Substance Abuse Copay

Substance Abuse Deductible

Substance Abuse Coinsurance (%)

Physical Therapy Copay

Physical Therapy Deductible

Physical Therapy Coinsurance (%)

Pregnancy Copay

Pregnancy Deductible

Pregnancy Coinsurance (%)

Utilization & Allowed Cost Assumptions

Primary Care Visits

Specialist Visits

Urgent Care Visits

Generic Fills / Year

Preferred Fills / Year

PT Visits

Hospitalization Allowed Cost

Ambulance Allowed Cost

Emergency Room Allowed Cost

DME Allowed Cost

Substance Abuse Allowed Cost

Physical Therapy Episode Cost

Pregnancy Allowed Cost

Results

Routine care estimate

Major services estimate

Routine + major

Service breakdown

See table below

Service	Allowed Cost	Estimated Member Cost

Health Insurance

GA Access Off-Marketplace Health Insurance Cost Calculator

Compare brochure-based fixed benefits against a GA Access marketplace-style plan.

Open

Off-Marketplace Plan Modeled From Brochure

Allstate Health Access preset

Include Recuro Rx cash-back assumption?

Recuro Rx max per fill

Office visit negotiated cost

Specialist visit negotiated cost

Urgent care negotiated cost

Generic drug cost / fill

Preferred drug cost / fill

Preventive visit cost

Lab test cost

Radiology test cost

PT visit cost

Hospitalization after network discount

Hospital days

Ambulance cost

Emergency room cost

DME cost

Substance abuse episode cost

PT episode cost

Pregnancy episode cost

Utilization Counts Used In Both Comparisons

Office visits / year

Specialist visits / year

Urgent care visits / year

Generic fills / year

Preferred fills / year

Preventive visits / year

Lab tests / year

Radiology tests / year

PT visits / year

Comparison Target: GA Access Marketplace-Style Plan

GA Primary Care Copay

GA Specialist Copay

GA Urgent Care Copay

GA Generic Drug Copay

GA Preferred Drug Copay

GA PT Copay

GA General Coinsurance (%)

GA Hospitalization Copay

GA Hospitalization Deductible

GA Hospitalization Coinsurance (%)

GA Hospitalization Allowed

GA Ambulance Copay

GA Ambulance Deductible

GA Ambulance Coinsurance (%)

GA Ambulance Allowed

GA ER Copay

GA ER Deductible

GA ER Coinsurance (%)

GA ER Allowed

GA DME Copay

GA DME Deductible

GA DME Coinsurance (%)

GA DME Allowed

GA Substance Abuse Copay

GA Substance Abuse Deductible

GA Substance Abuse Coinsurance (%)

GA Substance Abuse Allowed

GA PT Deductible

GA PT Coinsurance (%)

GA PT Allowed

GA Pregnancy Copay

GA Pregnancy Deductible

GA Pregnancy Coinsurance (%)

GA Pregnancy Allowed

By default, substance abuse and pregnancy are shown as not covered under the fixed-benefit brochure model because the uploaded brochure’s exclusions state that mental illness or substance abuse is excluded and pregnancy is excluded except for complications of pregnancy.

Comparison Results

Off-market routine care estimate

GA Access routine care estimate

Off-market major event exposure

GA Access major event exposure

Routine difference (GA minus off-market)

Major difference (GA minus off-market)

Service	Off-Market Cost	Fixed Benefit / Cash Back	Off-Market Net	GA Access Est. Member Cost

How this comparison is modeled

The off-marketplace side uses set-dollar fixed benefits from the uploaded brochure and subtracts those benefits from your assumed discounted service costs. The GA Access side uses the editable copays, deductibles, and coinsurance amounts you enter.

This lets a client used to GA Access marketplace coverage see the difference between a fixed-benefit contract that sends money back to the member and a major-medical style plan that relies on deductibles, copays, and out-of-pocket limits.

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