Your tools
Each tool keeps its own data. A plan entered in one doesn't appear in another.
AV Calculator
Actuarial value of a plan design
Enter deductibles, out-of-pocket maximums, coinsurance and per-service copays and get the plan's actuarial value instantly. Save designs per client, compare them side by side, and fill one straight from an SBC.
Open →Plan Selection Tool
Employee plan comparison mini-sites
Build a branded mini-site where a client's employees compare their plan options by expected annual cost, based on uploaded SBCs and how much care they expect to use.
Open →Monte Carlo
Simulated claims outcomes
Simulate a plan's claims experience across thousands of trials to show the range of outcomes behind a single expected cost -- the tail a point estimate hides.
Open →Demographic Modeler
How risky is this population?
Upload a census and see the group's age, gender, family, industry and location mix scored against national benchmarks -- a presentation the client can understand at a glance, with every table exportable to PDF.
Open →IBNR Estimator
Claims reserve from a lag report
Upload the carrier's claims lag report and enrollment for up to four lines of business and get an incurred-but-not-reported reserve estimate with its range, developed the way Peak's actuaries do it. Send it to an actuary for a certified letter.
Open →Premium Equivalents
Renewal rates by plan and tier
Spread a group's total renewal premium across its plans and coverage tiers. Plan relativities come from each design's actuarial value, tier factors from the carrier's ratios or the group's own, and the rates add back up to the total.
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