Employee Health Insurance Calculator for Businesses
- Katelyn McKeone
- Dec 17, 2025
- 3 min read
How much does employee health insurance cost and how to calculate it?
Employee health insurance is one of the most in-demand additional motivation benefits in Latvian companies. It helps take care of employees, reduces staff turnover, and strengthens the business’s reputation as an employer.
However, the cost differs for each business — it is influenced by the number of employees, the chosen level of coverage, and additional options. To make this process simple, Perks has created the “Health Insurance Calculator for Businesses,” which allows you to:
see policy prices immediately,
compare coverage options,
evaluate additional features,
and understand how selected factors affect total costs.
No registration or payment is required to use the calculator. Everything is transparent and easy to review.
Explore coverage options and see price estimates in real time
How to use the Health Insurance Calculator
1. Choose business size
Indicate how many employees you plan to insure — 2–4, 5–9, or 10–30 employees. Insurance companies set different prices per employee depending on the total number of insured persons.
(If your business has more than 30 employees — great! The calculator results are for informational purposes, and we will prepare a personalized offer.)
2. Location and industry
Choose your business’s industry and location. These factors can sometimes affect the policy price, but the calculations shown in the calculator are based on average market data.
3. Program variants
The calculator offers three base plans so you can easily compare coverage and price:
Plan A – basic coverage at the most affordable price.
Plan B – balanced coverage between price and benefits.
Plan C – the widest coverage with the highest level of protection.
You can compare each option with different add-ons and see how they affect the total cost.
4. Additional coverage
Additional options allow you to tailor the policy to employees’ real needs.
In the calculator, you can see how the price changes when adding or removing coverage, such as:
dental care,
prescription medication,
sports and physiotherapy services,
pregnancy care.
Each type of coverage has two selectable levels — you can build different policy versions and compare their prices.
5. See prices instantly
The calculator immediately shows how the selected coverage affects the total price:
the first row shows the cost of additional coverage per person,
the second row shows the total calculated policy price per employee.
You can experiment with combinations and choose the optimal solution for your business.
Ready for the next step?
When you have found the most suitable option, you can send us your selection in the final section. Fill out a short form, and the Perks team will contact you to prepare a precise offer and help you choose the insurer.
If you are not sure what to choose, sign up for a free consultation. Our compensation is included in the insurance policy price. Insurers transfer their distribution costs from their internal staff to us, which is why our services are completely free for clients.
Why choose Perks?
We help business leaders find the most suitable health insurance for their employees by:
comparing offers from all insurers,
explaining key differences,
providing 24/7 support,
and ensuring the policy really works when it matters most.
Try the calculator or schedule a free consultation and we can discuss your next policy together.
+371 26 668 558
