45 WI school districts ranked by iCHRA conversion opportunity. Select a district to analyze fit & pre-fill the calculator.
45
Fully-insured districts
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Score 14+ (prime targets)
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Avg premium vs marketplace gap
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Avg 2025-26 renewal increase
Score ▼
District
CESA
Rtg Area
Plan Type
Single/mo
Family/mo
YOY Δ
Mkt Gap
Action
📊 Census-Based iCHRA Savings Analysis
Uses actual employee/spouse/child ages & ACA pricing rules (children capped at 3 per family). Select a Rating Area in Step 1 first.
📋 Standard WI School District Census
151-employee profile based on actual converted WI school district — illustrative purposes. Avg employee age 45.5, 57% family coverage, 82 enrolled spouses.
📤 Upload Actual District Census
CSV or XLSX with Relationship column (Employee/Spouse/Child) and DOB column. Names and addresses not required.
💵 Enter District's Current Group Plan Premiums (for savings comparison)
2-Tier: Anyone with any dependent (spouse only, children only, or both) pays the same Family rate. All dependent employees are counted together.
4-Tier: Each dependent combination has its own rate. Leave EE+Spouse or EE+Children blank to default to the Family rate.
Active census: Standard WI School District Census (151 employees)
Select a Rating Area in Step 1 above to run the analysis.
📍 Step 1: Select Rating Area
💎 iCHRA Wealth Builder
See how Bronze + HSA builds wealth vs. traditional group plans
💡 The "Health Wealth" Strategy
How It Works:
Old Way (Group Plan): Pay $200/month → Money gone forever → Zero balance
New Way (Bronze + HSA): Redirect $200/month to YOUR HSA → Buy Bronze plan (stop-loss) → Watch wealth grow with 5% interest
The "Efficiency Bonus": When premiums rise less than budgeted 7%, you KEEP the difference!
Historical Proof (2019-2025): Uses actual Wisconsin Bronze plan data to show real results
Future Projections (2026-2030): Conservative estimates based on your chosen growth rate
Result: Build significant wealth vs. $0 in group plan
🎯 Customize Your Analysis
Starts from 2019. Min 7 years to show historical data (2019-2025)
$0
Final HSA Balance
💰 Asset You Own
$0
Group Plan Total Cost
💸 Money Lost Forever
$0
Total Wealth Swing
🎯 Your Advantage
📈 Wealth Accumulation Over Time
📊 Year-by-Year Breakdown
💡 Key Insights
💵 Step 2: Current Plan Cost (Optional)
Enter your current plan costs to see savings comparison. Choose the method that matches your data.
⚙️ Step 3: iCHRA Contribution Strategy
Configure how the employer will contribute to iCHRA. You can set different contribution levels for employees, spouses, and children.
Currently Selected:
⚠️ Baseline Plan Changed: Click "Calculate iCHRA" below to update results with the new baseline plan.
How it works: In Step 4 below, after selecting comparison plans, use the radio button to set which plan the employer contribution should cover. Employees choosing cheaper plans may have money left over, while those choosing more expensive plans pay the difference.
Employer Contribution Percentage by Tier
Employer Contribution Flat Amount by Tier
💼 Step 3b: Administrative Fees (Optional)
Add administrative fees to calculate total iCHRA plan costs. These fees are added to employer costs but do not affect the Wealth Builder calculations.
Select a partner to auto-populate typical fees, or enter custom fees below
This fee will be multiplied by the number of employees
One-time annual setup cost
Per Employee Per Month (will be × 12 × employees for annual)
💰 Step 4: Plan Comparison
Automatic: The lowest cost Silver plan for your selected rating area will automatically be shown as a baseline comparison (for all rating areas). Optional: Add up to 3 additional plans to compare. Enter the plan name and age 46 premium from your rating area plan library.
📊 Lowest Cost Silver Plan (Automatic Comparison)
This Silver plan will automatically be included in comparisons. To use a different plan as the employer contribution base, add plans below and select one in Step 3.
Additional Comparison Plans (Optional)
📊 Step 5: Add Family Members
👥 Add Family Members Manually
📁 Upload Demographics File
Supported: Zizzl demographics template (CSV/TSV) with First Name, Last Name, Relationship, and DOB or Age columns
