BCBS Settlement Payout Estimator

April 26, 2026

Probabilistic payout projection tool based on the $1.9B net settlement fund, default KFF allocation matrices, and projected aggregate denominators. In other words, math stuff. Check our accuracy at the tab right below, “Methodology & Math”.

Claimant Data Input

Fund Sub-Class

Filing Status

Coverage Tier

Total Premiums Paid

From your 2026 Claim Determination Notice.

Use Alternative Documentation Override
I submitted proof rejecting the default matrix.

Pro-Rata Numerator Calculation

Total Basis

$0.00

Allocation Split

0.0%

Your Adjust Numerator (Pₐ)

$0.00

Probabilistic Payout Estimates

Conservative Estimate

High denominator volatility

$0.00

Base Case Estimate Most Probable

Expected historical claim rates

$0.00

Optimistic Estimate

Low denominator volatility

$0.00

Actuarial Disclaimer: This tool is a probabilistic estimator. The final distribution multiplier cannot be definitively calculated until the settlement administrator completes all formal dispute resolutions and locks the aggregate denominator.

Calculations assume the Net Settlement Fund is fixed at $1.78B (FI) / $120M (SF).

The Core Formula

Payout = ( Adjusted Premiums / Total Aggregate Class Premiums ) × Net Settlement Fund

The settlement operates on a pro-rata basis. This means your piece of the pie depends not just on how much you paid, but on the total amount paid by every other person and company that filed a valid claim.

1. The Net Settlement Fund (The Pie)

The total settlement is $2.67 billion, but after attorney fees, administrative costs, and class representative awards, the Net Settlement Fund is approximately $1.9 billion. This is split into two separate “buckets”:

Fully Insured (FI) Sub-Class: Contains about $1.78 billion. Claims are based on Total Premiums Paid.
Self-Funded (SF) Sub-Class: Contains about $120 million. Claims are based on Administrative Services Only (ASO) fees paid.

2. Adjusted Premiums (Your Slice)

In employer-sponsored plans, both the employer and employee pay a portion of the premium. If you didn’t upload specific documentation (like W2s or paystubs) to prove your exact contribution percentage, the Settlement Administrator assigns a default percentage based on historical data from the Kaiser Family Foundation (KFF).

Fund Type	Coverage Tier	Employee Share	Employer Share
Fully Insured (FI)	Single	15%	85%
Fully Insured (FI)	Family	34%	66%
Self-Funded (SF)	Single	18%	82%
Self-Funded (SF)	Family	25%	75%

Note: Individual policyholders (non-employer groups) retain 100% of their base premium for calculation purposes.

3. The Unknown Denominator (Why we use estimates)

The biggest unknown in class action settlements is the claim rate. How many people actually filed a claim? How many massive Fortune 500 companies filed claims for millions in premiums? Because we don’t know the exact Total Aggregate Class Premiums (the denominator), we calculate ranges based on historical mega-fund mechanics:

Base Estimate (0.59% Multiplier)

Assumes a standard 10-20% claim rate typical for well-publicized corporate/consumer class actions. A balanced mix of large corporate claimants and individual employees.

Optimistic Estimate (1.18% Multiplier)

Assumes a lower claim rate (e.g., <10%). If fewer entities filed claims, the denominator shrinks, making your specific slice of the $1.9B pie proportionally larger.

Conservative Estimate (0.34% Multiplier)

Assumes a high claim rate heavily weighted by massive corporate employers who have entire HR/Legal departments dedicated to extracting these funds, inflating the denominator and shrinking individual slices.