Compass VBC Financial Modeling Open Calculator

Model the money before you sign the contract.

Compass models the financial impact of VBC arrangements before ink hits paper. Set your assumptions, get a full P&L scenario in under two minutes.

Start modeling for free →

No login. Model the settlement math, export to PDF. Sign in to save.

A free worksheet for the four contract types that decide who gets paid — built by a former 13-site health-system CEO.

compass-model.com/app.html
Results — Medicare Advantage · Shared Savings (Two-Sided) Favorable
$3.2M
Net Savings
2.14x
Payer ROI
3.2%
Breakeven Rate
84.7%
Projected MLR
UP DOWN
Favorable
NW · Upside
$12.4M
TCOC
$3.7M
Gross Sav.
$0.5M
MSR
$3.2M
Net Sav.
$1.6M
Provider
$1.2M
Payer Net
$0.4M
Stop-Loss
Rate
Gross
Net
Provider
Payer
ROI
1.0%
$1.2M
$0
$0
-$0.4M
-0.6x
2.0%
$2.5M
$1.0M
$0.5M
$0.3M
0.5x
3.0%
$3.7M
$2.2M
$1.1M
$0.8M
1.4x
4.0%
$5.0M
$3.5M
$1.7M
$1.4M
2.5x
5.0%
$6.2M
$4.7M
$2.4M
$2.0M
3.6x
PDF

The Problem

The spreadsheet is a liability.

Most organizations model VBC contracts in spreadsheets that one person understands. When that person leaves, the model breaks. When both sides show up to negotiate, they're working from different assumptions with no shared structure and no audit trail.

Compass fixes the process. You define the population, set the contract terms, and see what happens to the math. Same inputs, same logic, every time.

Features

The levers that decide the settlement.

Four Live Calculators

Shared savings, bundled payment, full capitation, and contract legibility. Open any of them, no login, and adjust every lever from sensible defaults.

Full Contract Modeling

Shared savings, provider share, MSR, risk corridor cap, truncation, quality withhold, IBNR reserve. The levers a real negotiation turns on.

Sensitivity Analysis

One assumption is a guess. A sensitivity grid across savings rates shows where the contract breaks even, where it prints money, and where you're exposed.

Exportable Model

A clean PDF of the full model — your assumptions and every step of the waterfall, nothing to sign up for. Bring it to the table.

See It In Action
Walk through a complete VBC model.
Six steps from population to settlement. This is what the tool does.
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3
4
5
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Compass — New Modelcompass-model.com/app
Step 1: Contract Model
Shared Savings
Most common
Bundled Payment
Episode-based
Full Capitation
At-risk PMPM
Contract Legibility
Read before you sign
Shared Savings (Two-Sided)
Per attributed life
Choose your contract model
Four live calculators — shared savings, bundled payment, full capitation, contract legibility. Pick one and start from sensible defaults.
Compass — Populationcompass-model.com/app
Step 2: Population & Risk Profile
Attributed Lives0
Average Risk Score (HCC)0.50
Baseline PMPM$0
Annual Trend0%
$12.4M
$1,245
$1,178
Set population characteristics
Define your attributed population, then set the benchmark and actual PMPM the settlement runs against.
Compass — Contract Termscompass-model.com/app
Step 3: Contract Structure
50%
30%
2.0%
-3% to +3%
Beyond ±3%
$125,000
5% of savings
$350K individual
8% of TCOC
Define the contract terms
The terms that move real money. Sharing rates, corridors, truncation, quality withholds, stop-loss, IBNR.
Compass — Qualitycompass-model.com/app
Step 4: Quality Targets
HEDIS Composite
85%
Target: ≥80%
PASS
CAHPS Satisfaction
4.2 / 5
Target: ≥3.8
PASS
ED Visit Rate
412 / 1K
Target: ≤450
PASS
30-Day Readmit
11.2%
Target: ≤13%
PASS
Med Adherence
78%
Target: ≥75%
PASS
Stars Projection
4.0 ★
Target: ≥3.5
PASS
6 of 6 PASSED. Full withhold earned.
Quality gates determine payout
Binary, sliding, or ACO composite scoring. All transparent. See exactly how much of the withhold you earn.
Compass — Resultscompass-model.com/app
Results: Medicare Advantage · Shared SavingsFavorable
$0
Net Savings
0
Payer ROI
0%
Breakeven Rate
0%
Projected MLR
$12.4M
TCOC
$3.7M
Gross
$0.5M
MSR
$3.2M
Net
$1.6M
Provider
$1.2M
Payer
$0.4M
Stop-Loss
Full P&L waterfall
Net savings, ROI, MLR, provider share, stop-loss exposure. All derived from your assumptions.
Compass — Sensitivitycompass-model.com/app
Sensitivity Analysis + Export
RateGrossNetProviderPayerROI
1.0%$1.2M$0$0-$0.4M-0.6x
2.0%$2.5M$1.0M$0.5M$0.3M0.5x
3.0%$3.7M$2.2M$1.1M$0.8M1.4x
4.0%$5.0M$3.5M$1.7M$1.4M2.5x
5.0%$6.2M$4.7M$2.4M$2.0M3.6x
PDF
Compare scenarios and export
See where the contract breaks even and where it prints money. Export a clean PDF. Bring it to the table.

Methodology

Built on Real Contract Data.

Compass models are built from actual VBC contract structures, not textbooks. The calculation engine covers total-cost-of-care modeling, the minimum-savings-rate gate (first-dollar or threshold), truncation of catastrophic outliers, the provider-share split, the quality withhold and earn-back, the risk-corridor cap, and the IBNR reserve — the full settlement waterfall, every step on screen.

The assumptions sit on the page. The math shows its work.

Differentiation

What Compass Does That Excel Can't.

Shared-Savings Settlement

The full waterfall — MSR gate, truncation, provider split, quality withhold, risk cap, IBNR — every lever live, results updating as you move them.

Bundled-Payment Model

Model an episode bundle end to end. Set the target price, see where margin lands when utilization and complications run hot or cold.

Full-Capitation Model

Run a capitated arrangement with full P&L sensitivity. Stress-test the rate against realized cost, not the plan's optimistic assumptions.

Contract Legibility

Read a shared-savings contract the way it actually settles. Surface the clauses that decide who gets paid before you sign them.

Live Sensitivity

Every model shows the settlement across a range of realized cost. See where the contract breaks even and where it prints, side by side.

PDF Export + Cloud Save

Export a clean PDF of any model, no login. Sign in to save scenarios and revisit them exactly as you left them.

Ready?

See what the math says.

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Open the full tool, export a PDF. An account only saves your work.

Who Uses This

Built for the people at the table.

ACO Finance Director

Model shared savings scenarios before your next MSSP performance year. See where the contract breaks even and where the upside concentrates.

Health System CFO

Evaluate capitation arrangements with full P&L sensitivity. Stress-test the corridors under realistic utilization assumptions, not the plan's optimistic ones.

VBC Consultant

Model the settlement math before you sign the contract. Four contract models, structured framework, exportable PDF. Days of setup reduced to an afternoon.

Health Plan Actuary

Walk the full settlement waterfall and the live sensitivity band. See the range of outcomes as realized cost moves, with every assumption on screen — not buried in a static spreadsheet.

Compass is a financial modeling tool for decision support. It is not actuarial certification. It is not legal advice. It is not a substitute for qualified actuarial analysis. Every output is an estimate based on user-provided inputs and embedded benchmarks. Consult a qualified actuary for rate filings and binding contract terms.

Built a 13-location integrated health system from the ground up — behavioral health, SUD/MAT, primary care, urgent care, lab, imaging, surgical center, and a community hospital — and ran it as CEO through acquisition. 200,000+ patients across the lifetime of the companies I've led. DEA-licensed. SAMHSA-certified. JCAHO-accredited.

Today: Staff Vice President of Carelon Growth, Elevance Health's specialty health-services arm, owning six high-acuity clinical risk books — MSK, Oncology, CHF, Maternity, Autoimmune, and Dementia — across $50B+ in specialty medical spend. Founded and sold ClearBill, a billing-integrity platform that returned $9.2M to payers in its first six months of full deployment.

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