Model Match spends about $275,000 a year on these four lines
Medical is most of it. Pillar HR is the second largest line, and it stays the same under either option.
Per year, today
$274,644 today, $238,852 on TriNet
Net, $35,792 a year comes back, after every fee on the page.
| Per year | TodayRippling + Blue Shield | RecommendedTriNetQuote Q-00411017 | DifferenceTriNet vs. today |
|---|---|---|---|
| Medical premium14 enrolled, Blue Shield of California both ways | $209,134 | $153,960 | −$55,174 |
| Paid by Model Match | $158,187 | $108,012 | −$50,175 |
| Paid by employees | $50,947 | $45,948 | −$4,999 |
| Payroll platform or PEO feeTriNet: $119 per employee per month, negotiated down from $161 | $8,940 | $27,132 | +$18,192 |
| Pillar HR$4,500 a month, Numera partner rate. Same fee either way. | $54,000 | $54,000 | No change |
| Life and disabilityTriNet adds 50% short and long-term disability, company paid | $2,570 | $3,760 | +$1,190 |
| Employment practices liability, $1M | Not carried | Included in TriNet's fee | Added |
| Workers' comp and state unemployment | Current | Held flat | No change |
| Total, all inEvery line above, per year | $274,644 | $238,852 | −$35,792 |
Company and employee shares follow today's contribution rules; section 05 lets you try a different split. TriNet's Guardian dental and EyeMed vision are voluntary and employee paid, so they add nothing to the company's cost and are left out of the totals.
Medical drops by about a quarter, on the same carrier
This is where the money is. The medical bill is about four times Pillar HR's fee and eight times TriNet's, so a big percentage move here outweighs everything else.
Everyone stays with Blue Shield of California. Same networks, same doctors. Families should still confirm their doctors at enrollment.
Blue Shield bills Model Match a different rate for every person, by age and zip code. TriNet pools thousands of companies and charges one flat rate per coverage level, whoever the employee is.
The worst-case year gets smaller on every plan
Each plan today is matched to its closest TriNet Blue Shield plan. The lower premium doesn't come from thinner coverage: the out-of-pocket maximum falls on all four.
| Today | TriNet | |
|---|---|---|
| Deductible, single | $750 | $700 |
| Deductible, family | $1,500 | $1,800 |
| Out-of-pocket max, single | $7,900 | $4,000 |
| Out-of-pocket max, family | $15,800 | $8,000 |
| Coinsurance | 20% | 20% |
| Primary care / specialist | $35 / $60 | $30 / $60 |
| Rx generic / preferred / other | $25 / $50* / $80* | $10 / $35 / $50 |
| Monthly premium | ||
| Employee only | None enrolled | $603 |
| Employee + spouse | $2,266 | $1,391 |
| Employee + children | $1,044 to $2,464 | $1,229 |
| Family | $1,584 to $3,421 | $1,825 |
The family deductible is the one number that rises, by $300. The family out-of-pocket max falls by $7,800.
| Today | TriNet | |
|---|---|---|
| Deductible, single | $1,800 | $1,500 |
| Deductible, family | $3,600 | $3,000 |
| Out-of-pocket max, single | $9,500 | $5,500 |
| Out-of-pocket max, family | $19,000 | $11,000 |
| Coinsurance | 35% | 25% |
| Primary care / specialist | $65 / $85 | $35 / $70 |
| Rx generic / preferred / other | $30 / $80* / $115* | $10 / $35 / $50 |
| Monthly premium | ||
| Employee only | $613 to $1,230 | $534 |
| Employee + spouse | None enrolled | $1,233 |
| Employee + children | None enrolled | $1,089 |
| Family | None enrolled | $1,617 |
| Today | TriNet | |
|---|---|---|
| Deductible, single | $5,800 | $5,000 |
| Deductible, family | $11,600 | $10,000 |
| Out-of-pocket max, single | $9,800 | $6,850 |
| Out-of-pocket max, family | $19,600 | $13,700 |
| Coinsurance | 40% | 40% |
| Primary care / specialist | $60 / $95* | $45 / $65 |
| Rx generic / preferred / other | $20 / 40%* / 40%* | $15 / $50 / $75 |
| Monthly premium | ||
| Employee only | $546 to $604 | $455 |
| Employee + spouse | None enrolled | $1,050 |
| Employee + children | $895 | $927 |
| Family | None enrolled | $1,377 |
| Today | TriNet | |
|---|---|---|
| Deductible, single | $0 | $300 |
| Deductible, family | $0 | $600 |
| Out-of-pocket max, single | $4,700 | $3,000 |
| Out-of-pocket max, family | $9,400 | $5,000 |
| Coinsurance | 10% | 15% |
| Primary care / specialist | $10 / $45 | $25 / $50 |
| Rx generic / preferred / other | $10 / $35 / $55 | $10 / $35 / $50 |
| Monthly premium | ||
| Employee only | $754 | $824 |
| Employee + spouse | None enrolled | $1,903 |
| Employee + children | None enrolled | $1,681 |
| Family | None enrolled | $2,496 |
Small copays go up a little, in exchange for a much lower ceiling in a bad year.
* Today these apply only after the deductible is met. TriNet's copays apply from the first visit or fill. Monthly premium: Blue Shield prices each person by age, so Today shows what Model Match pays now for the people at each coverage level; TriNet charges one flat rate. TriNet's full plan documents control.
Who keeps the savings, and how to change the split
Every fee is paid by the company; the medical premium is shared. Under today's rules the company comes out $30,793 a year ahead and employees $4,999. Try another split below; the totals and each person's paycheck update.
Contribution rules on TriNet
Today's rules are loaded. Pick a starting point or drag the sliders.
Why the company keeps most of it. Model Match pays 100% of the premium for its four leadership members. They are the oldest people on the plan with the most dependents, which is exactly who Blue Shield's age-banded rates hit hardest. Three of them drop by $875 to $1,600 a month on TriNet's flat rates, and all of that is the company's.
Ten of fourteen go down. Four go up.
Blue Shield prices each person by age and location and TriNet doesn't, so the move isn't the same for everyone. The paycheck column follows the contribution rules set in section 05.
| Employee | Age | Coverage | PPO today → TriNet | Today | TriNet | Premium change | Group | Paycheck change / mo |
|---|---|---|---|---|---|---|---|---|
| Premium goes down | ||||||||
| Eric L. | 54 | Family | 750 → 700 | $3,421 | $1,825 | −$1,596 | Leadership | $0 |
| Drew W. | 52 | EE + children | 750 → 700 | $2,464 | $1,229 | −$1,235 | Leadership | $0 |
| Kirk W. | 55 | EE + spouse | 750 → 700 | $2,266 | $1,391 | −$875 | Leadership | $0 |
| Jeffery P. | 58 | Employee | 1800 → 1500 | $1,230 | $534 | −$696 | Staff | −$348 |
| Myrtle H. | 29 | Employee | 1800 → 1500 | $757 | $534 | −$223 | Staff | −$112 |
| Michael P. | 42 | Employee | 5800 → 5000 | $604 | $455 | −$149 | Staff | −$75 |
| John G. | 38 | Employee | 1800 → 1500 | $629 | $534 | −$95 | Staff | −$48 |
| Keith C. | 34 | Employee | 5800 → 5000 | $546 | $455 | −$91 | Staff | −$46 |
| Cory G. | 36 | Employee | 1800 → 1500 | $621 | $534 | −$87 | Staff | −$43 |
| Daniel C. | 34 | Employee | 1800 → 1500 | $613 | $534 | −$79 | Staff | −$39 |
| Premium goes up | ||||||||
| Jillian G. | 33 | EE + children | 5800 → 5000 | $895 | $927 | +$32 | Staff | +$76 |
| Christian P. | 30 | Employee | 0 → 300 | $754 | $824 | +$70 | Staff | +$35 |
| Ashlyn L. | 28 | EE + children | 750 → 700 | $1,044 | $1,229 | +$185 | Staff | +$183 |
| Thomas S. | 36 | Family | 750 → 700 | $1,584 | $1,825 | +$241 | Leadership | $0 |
| All 14, per month | $17,428 | $12,830 | −$4,598 | −$417 | ||||
Premiums are from TriNet's employee-level comparison, rounded to the dollar. Today's rules: staff on employee-only coverage split the premium 50/50; staff covering children pay the full dependent cost on top of their half; leadership is company paid. Paycheck figures for Jillian and Ashlyn are estimates, because their employee-only rate isn't shown separately on Blue Shield's age-banded bill.
Nobody has to pay more than today. Under today's rules, Ashlyn, Jillian and Christian would see deductions rise by about $183, $76 and $35 a month. Covering that costs the company about $3,500 a year, under 7% of its medical saving; switch on "No one pays more than today" above to see it. Christian has a second fix: Blue Shield's ACO PPO 300 is $632 a month on TriNet, less than his $754 today, if its narrower network covers his doctors.