Question 1

What happens after I submit?

Accepted Answer

You'll see your estimated annual savings and a plan-by-plan comparison on this page right away, and we'll email you a copy. If you want to go further, a senior advisor prices your team in your actual ZIP and walks you through setup. We don't cold-call.

Question 2

How is the estimate calculated?

Accepted Answer

We price a year of your team on a PEO, a fully insured plan, and an ICHRA, using typical premiums, admin fees, ancillary benefits, and employer HSA contributions for each, and compare that with Prescience. The figures are rounded on purpose: it's a directional estimate, not a quote.

Question 3

Is this a binding quote?

Accepted Answer

No. It's a fast, directional estimate so you can see the order of magnitude. Real pricing depends on geography, your team's claim mix, and your current carrier rates, which we confirm together before anything is binding.

Question 4

What's included in the Prescience price?

Accepted Answer

Eligible employees get a Diamond-tier plan with employer-funded HSA support at the point of care, same-day MD and 24/7 navigation, a wearable, gene testing, and other plan benefits. Contributions and benefits depend on plan terms and HSA eligibility.

Question 5

How does Prescience cost less than a PEO or fully insured plan?

Accepted Answer

We build the plan around direct provider relationships, active benefits operations, and simpler economics, cutting out broker and carrier margin baked into PEO and fully insured pricing. Your spend goes to care, not middlemen.

Question 6

Does this work for remote or multi-state teams?

Accepted Answer

Yes. Prescience covers teams across all 50 states. Enter the ZIP code where most of your team is based for the estimate, and your advisor handles the multi-state details when we put your actual plan together.

Employer health insurance savings calculator

Beyond the savings

Diamond, for every employee

Pricing that stays put

We run the whole plan

See the exact number for your team

Frequently asked questions