Calculator

Dependent Eligibility Savings Estimator

Estimate employer savings from dependent eligibility controls and generate a finance-ready memo.

This tool is educational and operational. It is not legal, engineering, or financial advice.

Processed in-browser. Nothing is stored.

Inputs

Required

Required

Percent of enrolled dependents likely ineligible. Typical ranges vary; keep this conservative.

Percent of ineligible dependents you expect to actually remove after outreach, documentation, and appeals.

Vendor + internal costs to run the audit (optional). Used for payback and net savings.

Formatting only.

Used in the memo output.

Optional context for your stakeholders (population, plan year timing, constraints).

Assumptions

  • This is an estimate. Use conservative inputs and validate by enrollment and premium changes.
  • Ineligible rate and realization vary by population and process.
  • Savings reflect employer cost share per dependent, not total premium.

Fix validation errors to generate.

Results

Enter inputs and click Generate.

How to use

  1. Enter dependents covered and employer cost share per dependent.
  2. Set a conservative ineligible rate and realization percent.
  3. Add any one-time audit cost and optional notes for stakeholders.
  4. Generate the memo and share it with HR and Finance.

What results mean

Estimated removable dependents applies your ineligible rate and realization percent to the enrolled dependent count.

Gross savings reflects employer cost share only, not total premium or employee-paid amounts.

Payback period compares any audit cost to monthly savings to show how quickly the effort covers itself.

Common pitfalls

  • Using total premium instead of the employer cost share per dependent.
  • Assuming aggressive ineligible rates without evidence.
  • Skipping audit cost when calculating payback for leadership.

Definitions

Dependent eligibility: Verification that enrolled dependents meet the plan eligibility rules.

Employer cost share: The portion of premium paid by the employer (used for savings estimates).

Ineligible rate: Estimated percent of enrolled dependents that do not qualify.

Realization percent: Percent of ineligible dependents that are actually removed after verification and appeals.

Payback period: One-time audit cost divided by monthly savings (in months).

Change log

v1.0 (2026-01): Latest release