{"product_id":"medicare-set-aside-owner-makes","title":"Medicare Set-Aside Administration Owner Income: $175K Salary, 8-Month Breakeven","description":"\u003cbr\u003e\u003cdiv class=\"card_smpl\"\u003e\n\n\u003cdiv class=\"double_border\"\u003e\n\n\u003cdiv class=\"card_smpl_header\"\u003e\n\n\u003cimg src=\"\/cdn\/shop\/files\/fml_20_fml-Orange-blog-plus-icon.svg\" alt=\"Key Takeaways\" class=\"icon_how_to_use\"\u003e\n\n\u003ch3\u003eKey Takeaways\u003c\/h3\u003e\n\n\u003c\/div\u003e\n\n\u003cul class=\"lst_crct_blog\"\u003e\n\n\u003cli\u003eRecurring revenue rises with a controlled active account base.\u003c\/li\u003e\n\n\u003cli\u003eNew cases matter, but referrals must convert fast.\u003c\/li\u003e\n\n\u003cli\u003eWorkflow control protects margin as complex cases grow.\u003c\/li\u003e\n\n\u003cli\u003eReserves and compliance costs reduce near-term owner cash.\u003c\/li\u003e\n\n\u003c\/ul\u003e\n\n\u003c\/div\u003e\n\n\u003c\/div\u003e\u003cbr\u003e\u003cbr\u003e\u003csection class=\"fml-owner-metric-cards\" aria-label=\"Top Owner Income KPI Cards\"\u003e\u003cdiv class=\"metric-grid\"\u003e\n\u003carticle class=\"metric-card is-green\"\u003e\u003cspan class=\"metric-icon-tip\" tabindex=\"0\" data-tooltip=\"Year 1 planned CEO and Compliance Director salary; before taxes and excluding owner distributions, per model.\"\u003e\u003cimg class=\"metric-icon\" src=\"\/cdn\/shop\/files\/fml-owner-income-kpi-owner-income.svg\" alt=\"Owner income icon\" loading=\"lazy\"\u003e\u003c\/span\u003e\u003cspan\u003eOwner income\u003c\/span\u003e\u003cstrong class=\"metric-value\" tabindex=\"0\" data-tooltip=\"Year 1 planned CEO and Compliance Director salary; before taxes and excluding owner distributions, per model.\"\u003e$175k\u003c\/strong\u003e\u003c\/article\u003e\u003carticle class=\"metric-card\"\u003e\u003cspan class=\"metric-icon-tip\" tabindex=\"0\" data-tooltip=\"Year 5 operating profit margin (EBITDA) from the model, measured as EBITDA divided by revenue.\"\u003e\u003cimg class=\"metric-icon\" src=\"\/cdn\/shop\/files\/fml-owner-income-kpi-net-margin.svg\" alt=\"Net margin icon\" loading=\"lazy\"\u003e\u003c\/span\u003e\u003cspan\u003eNet margin\u003c\/span\u003e\u003cstrong class=\"metric-value\" tabindex=\"0\" data-tooltip=\"Year 5 operating profit margin (EBITDA) from the model, measured as EBITDA divided by revenue.\"\u003e47%\u003c\/strong\u003e\u003c\/article\u003e\u003carticle class=\"metric-card\"\u003e\u003cspan class=\"metric-icon-tip\" tabindex=\"0\" data-tooltip=\"Annual recurring revenue implied by about 102 active accounts at a $165 weighted monthly fee; excludes setup fees, churn, reserves, and staffing changes.\"\u003e\u003cimg class=\"metric-icon\" src=\"\/cdn\/shop\/files\/fml-owner-income-kpi-revenue-target.svg\" alt=\"Revenue for target pay icon\" loading=\"lazy\"\u003e\u003c\/span\u003e\u003cspan\u003eRevenue for target pay\u003c\/span\u003e\u003cstrong class=\"metric-value\" tabindex=\"0\" data-tooltip=\"Annual recurring revenue implied by about 102 active accounts at a $165 weighted monthly fee; excludes setup fees, churn, reserves, and staffing changes.\"\u003e$202k\u003c\/strong\u003e\u003c\/article\u003e\u003carticle class=\"metric-card\"\u003e\u003cspan class=\"metric-icon-tip\" tabindex=\"0\" data-tooltip=\"Hard because Year 1 EBITDA is negative, cash bottoms at $525k in Month 7, and payback takes 28 months.\"\u003e\u003cimg class=\"metric-icon\" src=\"\/cdn\/shop\/files\/fml-owner-income-kpi-business-difficulty.svg\" alt=\"Business difficulty icon\" loading=\"lazy\"\u003e\u003c\/span\u003e\u003cspan\u003eBusiness difficulty\u003c\/span\u003e\u003cstrong class=\"metric-value\" tabindex=\"0\" data-tooltip=\"Hard because Year 1 EBITDA is negative, cash bottoms at $525k in Month 7, and payback takes 28 months.\"\u003eHard\u003c\/strong\u003e\u003c\/article\u003e\n\u003c\/div\u003e\u003c\/section\u003e\u003cbr\u003e\u003ch2\u003e\u003cspan style=\"color: #126CFF;\"\u003eWant to test your owner pay?\n\u003c\/span\u003e\u003c\/h2\u003e\n\u003csection class=\"fml-owner-calculator\" aria-label=\"Medicare Set-Aside Administration Owner Income Calculator\" data-locale=\"en-US\" data-currency=\"USD\" data-default-scenario=\"base\" data-export-filename=\"Medicare Set-Aside Administration Owner Income Calculator.xlsx\" data-source-site-name=\"Financial Models Lab\" data-source-site-url=\"https:\/\/financialmodelslab.com\" data-source-page-title=\"Medicare Set-Aside Administration Owner Income Calculator\" data-note-title=\"Planning note:\" data-note-text=\"This is a researched planning estimate only, not guaranteed salary, tax advice, or owner distribution advice. It also excludes taxes, medical-claim outcomes, and legal compliance guarantees.\"\u003e\u003cdiv class=\"fml-owner-card\"\u003e\n\u003cheader class=\"fml-owner-header\"\u003e\u003cdiv class=\"fml-owner-heading\"\u003e\n\u003cp class=\"fml-owner-eyebrow\"\u003eOwner income calculator\u003c\/p\u003e\n\u003cp class=\"fml-owner-intro\"\u003eEstimate owner take-home and the target-pay gap from revenue, gross margin, payroll, fixed overhead, reserves, and target pay.\u003c\/p\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"fml-owner-scenarios\" aria-label=\"Income scenario presets\"\u003e\n\u003cbutton class=\"fml-owner-scenario\" type=\"button\" data-scenario=\"low\"\u003eLow\u003c\/button\u003e\u003cbutton class=\"fml-owner-scenario is-active\" type=\"button\" data-scenario=\"base\"\u003eBase\u003c\/button\u003e\u003cbutton class=\"fml-owner-scenario\" type=\"button\" data-scenario=\"high\"\u003eHigh\u003c\/button\u003e\n\u003c\/div\u003e\u003c\/header\u003e\u003cdiv class=\"fml-owner-layout\"\u003e\n\u003cform class=\"fml-owner-inputs\"\u003e\n\u003cdiv class=\"fml-owner-row\"\u003e\n\u003clabel class=\"fml-owner-label\"\u003e\u003cspan\u003eMonthly revenue\u003c\/span\u003e\u003cspan class=\"fml-owner-tooltip\" tabindex=\"0\" aria-label=\"Use average monthly collected revenue from active accounts, new cases, the 750 setup fee, and the 150 standard or 250 complex monthly fee mix. Year 1 model revenue is 775000 annually.\"\u003ei\u003cspan role=\"tooltip\"\u003eUse average monthly collected revenue from active accounts, new cases, the 750 setup fee, and the 150 standard or 250 complex monthly fee mix. Year 1 model revenue is 775000 annually.\u003c\/span\u003e\u003c\/span\u003e\u003c\/label\u003e\u003cdiv class=\"fml-owner-money\"\u003e\n\u003cspan\u003e$\u003c\/span\u003e\u003cinput data-owner-field=\"monthlyRevenue\" data-owner-kind=\"money\" data-owner-label=\"Monthly revenue\" data-owner-note=\"Use average monthly collected revenue from active accounts, new cases, the 750 setup fee, and the 150 standard or 250 complex monthly fee mix. Year 1 model revenue is 775000 annually.\" data-low=\"65000\" data-base=\"100000\" data-high=\"150000\" name=\"monthlyRevenue\" type=\"text\" inputmode=\"numeric\" value=\"100,000\"\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"fml-owner-row\"\u003e\n\u003clabel class=\"fml-owner-label\"\u003e\u003cspan\u003eGross margin\u003c\/span\u003e\u003cspan class=\"fml-owner-tooltip\" tabindex=\"0\" aria-label=\"Percent left after direct costs. The model points to about 87% in Year 1 after 8% banking fees and 5% cloud fees.\"\u003ei\u003cspan role=\"tooltip\"\u003ePercent left after direct costs. The model points to about 87% in Year 1 after 8% banking fees and 5% cloud fees.\u003c\/span\u003e\u003c\/span\u003e\u003c\/label\u003e\u003cdiv class=\"fml-owner-percent\"\u003e\n\u003cinput data-owner-field=\"grossMargin\" data-owner-kind=\"percent\" data-owner-label=\"Gross margin\" data-owner-note=\"Percent left after direct costs. The model points to about 87% in Year 1 after 8% banking fees and 5% cloud fees.\" name=\"grossMargin\" type=\"range\" min=\"0\" max=\"100\" step=\"1\" data-low=\"85\" data-base=\"87\" data-high=\"89\" value=\"87\"\u003e\u003coutput\u003e87%\u003c\/output\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"fml-owner-row\"\u003e\n\u003clabel class=\"fml-owner-label\"\u003e\u003cspan\u003eLabor cost\u003c\/span\u003e\u003cspan class=\"fml-owner-tooltip\" tabindex=\"0\" aria-label=\"Monthly payroll for compliance, case handling, support, and business development before owner pay.\"\u003ei\u003cspan role=\"tooltip\"\u003eMonthly payroll for compliance, case handling, support, and business development before owner pay.\u003c\/span\u003e\u003c\/span\u003e\u003c\/label\u003e\u003cdiv class=\"fml-owner-money\"\u003e\n\u003cspan\u003e$\u003c\/span\u003e\u003cinput data-owner-field=\"laborCost\" data-owner-kind=\"money\" data-owner-label=\"Labor cost\" data-owner-note=\"Monthly payroll for compliance, case handling, support, and business development before owner pay.\" data-low=\"30000\" data-base=\"35000\" data-high=\"45000\" name=\"laborCost\" type=\"text\" inputmode=\"numeric\" value=\"35,000\"\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"fml-owner-row\"\u003e\n\u003clabel class=\"fml-owner-label\"\u003e\u003cspan\u003eFixed overhead\u003c\/span\u003e\u003cspan class=\"fml-owner-tooltip\" tabindex=\"0\" aria-label=\"Rent, utilities, insurance, cyber security, legal and audit, and software.\"\u003ei\u003cspan role=\"tooltip\"\u003eRent, utilities, insurance, cyber security, legal and audit, and software.\u003c\/span\u003e\u003c\/span\u003e\u003c\/label\u003e\u003cdiv class=\"fml-owner-money\"\u003e\n\u003cspan\u003e$\u003c\/span\u003e\u003cinput data-owner-field=\"fixedOverhead\" data-owner-kind=\"money\" data-owner-label=\"Fixed overhead\" data-owner-note=\"Rent, utilities, insurance, cyber security, legal and audit, and software.\" data-low=\"14000\" data-base=\"15000\" data-high=\"17000\" name=\"fixedOverhead\" type=\"text\" inputmode=\"numeric\" value=\"15,000\"\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"fml-owner-row\"\u003e\n\u003clabel class=\"fml-owner-label\"\u003e\u003cspan\u003eMarketing\u003c\/span\u003e\u003cspan class=\"fml-owner-tooltip\" tabindex=\"0\" aria-label=\"Monthly marketing spend needed to support case flow. Year 1 budget is 120000, or 10000 a month.\"\u003ei\u003cspan role=\"tooltip\"\u003eMonthly marketing spend needed to support case flow. Year 1 budget is 120000, or 10000 a month.\u003c\/span\u003e\u003c\/span\u003e\u003c\/label\u003e\u003cdiv class=\"fml-owner-money\"\u003e\n\u003cspan\u003e$\u003c\/span\u003e\u003cinput data-owner-field=\"marketing\" data-owner-kind=\"money\" data-owner-label=\"Marketing\" data-owner-note=\"Monthly marketing spend needed to support case flow. Year 1 budget is 120000, or 10000 a month.\" data-low=\"10000\" data-base=\"15000\" data-high=\"20000\" name=\"marketing\" type=\"text\" inputmode=\"numeric\" value=\"15,000\"\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"fml-owner-row\"\u003e\n\u003clabel class=\"fml-owner-label\"\u003e\u003cspan\u003eDebt service\u003c\/span\u003e\u003cspan class=\"fml-owner-tooltip\" tabindex=\"0\" aria-label=\"Monthly loan or financing payments. No debt service is modeled in the source data, so start at 0 unless you add borrowings.\"\u003ei\u003cspan role=\"tooltip\"\u003eMonthly loan or financing payments. No debt service is modeled in the source data, so start at 0 unless you add borrowings.\u003c\/span\u003e\u003c\/span\u003e\u003c\/label\u003e\u003cdiv class=\"fml-owner-money\"\u003e\n\u003cspan\u003e$\u003c\/span\u003e\u003cinput data-owner-field=\"debtService\" data-owner-kind=\"money\" data-owner-label=\"Debt service\" data-owner-note=\"Monthly loan or financing payments. No debt service is modeled in the source data, so start at 0 unless you add borrowings.\" data-low=\"0\" data-base=\"0\" data-high=\"0\" name=\"debtService\" type=\"text\" inputmode=\"numeric\" value=\"\"\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"fml-owner-row\"\u003e\n\u003clabel class=\"fml-owner-label\"\u003e\u003cspan\u003eTax reserve\u003c\/span\u003e\u003cspan class=\"fml-owner-tooltip\" tabindex=\"0\" aria-label=\"Percent of profit set aside before owner pay.\"\u003ei\u003cspan role=\"tooltip\"\u003ePercent of profit set aside before owner pay.\u003c\/span\u003e\u003c\/span\u003e\u003c\/label\u003e\u003cdiv class=\"fml-owner-percent\"\u003e\n\u003cinput data-owner-field=\"taxReserve\" data-owner-kind=\"percent\" data-owner-label=\"Tax reserve\" data-owner-note=\"Percent of profit set aside before owner pay.\" name=\"taxReserve\" type=\"range\" min=\"0\" max=\"45\" step=\"1\" data-low=\"18\" data-base=\"20\" data-high=\"18\" value=\"20\"\u003e\u003coutput\u003e20%\u003c\/output\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"fml-owner-row\"\u003e\n\u003clabel class=\"fml-owner-label\"\u003e\u003cspan\u003eReinvestment reserve\u003c\/span\u003e\u003cspan class=\"fml-owner-tooltip\" tabindex=\"0\" aria-label=\"Percent of profit kept for working capital, growth, and risk buffer.\"\u003ei\u003cspan role=\"tooltip\"\u003ePercent of profit kept for working capital, growth, and risk buffer.\u003c\/span\u003e\u003c\/span\u003e\u003c\/label\u003e\u003cdiv class=\"fml-owner-percent\"\u003e\n\u003cinput data-owner-field=\"reinvestmentReserve\" data-owner-kind=\"percent\" data-owner-label=\"Reinvestment reserve\" data-owner-note=\"Percent of profit kept for working capital, growth, and risk buffer.\" name=\"reinvestmentReserve\" type=\"range\" min=\"0\" max=\"35\" step=\"1\" data-low=\"8\" data-base=\"10\" data-high=\"8\" value=\"10\"\u003e\u003coutput\u003e10%\u003c\/output\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"fml-owner-row\"\u003e\n\u003clabel class=\"fml-owner-label\"\u003e\u003cspan\u003eTarget owner pay\u003c\/span\u003e\u003cspan class=\"fml-owner-tooltip\" tabindex=\"0\" aria-label=\"Target monthly owner income used to measure the gap between profit and desired pay.\"\u003ei\u003cspan role=\"tooltip\"\u003eTarget monthly owner income used to measure the gap between profit and desired pay.\u003c\/span\u003e\u003c\/span\u003e\u003c\/label\u003e\u003cdiv class=\"fml-owner-money\"\u003e\n\u003cspan\u003e$\u003c\/span\u003e\u003cinput data-owner-field=\"targetOwnerPay\" data-owner-kind=\"money\" data-owner-label=\"Target owner pay\" data-owner-note=\"Target monthly owner income used to measure the gap between profit and desired pay.\" data-low=\"8000\" data-base=\"12000\" data-high=\"18000\" name=\"targetOwnerPay\" type=\"text\" inputmode=\"numeric\" value=\"12,000\"\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003c\/form\u003e\n\u003caside class=\"fml-owner-results\" aria-live=\"polite\"\u003e\u003cspan class=\"fml-owner-tag\"\u003eOwner income output\u003c\/span\u003e\u003cdiv class=\"fml-owner-metrics\"\u003e\n\u003cdiv class=\"fml-owner-metric is-primary\"\u003e\n\u003cspan class=\"fml-owner-metric-label\"\u003eOwner Income\u003cspan class=\"fml-owner-tooltip\" tabindex=\"0\" aria-label=\"Monthly take-home after tax and reinvestment reserves.\"\u003ei\u003cspan role=\"tooltip\"\u003eMonthly take-home after tax and reinvestment reserves.\u003c\/span\u003e\u003c\/span\u003e\u003c\/span\u003e\u003cstrong data-owner-output=\"monthlyOwnerIncome\"\u003e$15,400\u003c\/strong\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"fml-owner-metric\"\u003e\n\u003cspan class=\"fml-owner-metric-label\"\u003eNet Margin\u003cspan class=\"fml-owner-tooltip\" tabindex=\"0\" aria-label=\"Owner income divided by monthly revenue.\"\u003ei\u003cspan role=\"tooltip\"\u003eOwner income divided by monthly revenue.\u003c\/span\u003e\u003c\/span\u003e\u003c\/span\u003e\u003cstrong data-owner-output=\"netProfitMargin\"\u003e15%\u003c\/strong\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"fml-owner-metric\"\u003e\n\u003cspan class=\"fml-owner-metric-label\"\u003eRevenue for Target Pay\u003cspan class=\"fml-owner-tooltip\" tabindex=\"0\" aria-label=\"Monthly revenue needed to support the target owner pay.\"\u003ei\u003cspan role=\"tooltip\"\u003eMonthly revenue needed to support the target owner pay.\u003c\/span\u003e\u003c\/span\u003e\u003c\/span\u003e\u003cstrong data-owner-output=\"revenueNeeded\"\u003e$94,417\u003c\/strong\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"fml-owner-metric is-target-gap is-positive\"\u003e\n\u003cspan class=\"fml-owner-metric-label\"\u003eTarget Pay Gap\u003cspan class=\"fml-owner-tooltip\" tabindex=\"0\" aria-label=\"Owner income minus target owner pay. Negative means the target pay is not covered.\"\u003ei\u003cspan role=\"tooltip\"\u003eOwner income minus target owner pay. Negative means the target pay is not covered.\u003c\/span\u003e\u003c\/span\u003e\u003c\/span\u003e\u003cstrong data-owner-output=\"targetPayGap\"\u003e$3,400\u003c\/strong\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003cdl class=\"fml-owner-result-list\"\u003e\n\u003cdiv\u003e\n\u003cdt\u003eAnnual owner income\u003c\/dt\u003e\n\u003cdd data-owner-output=\"annualOwnerIncome\"\u003e$184,800\u003c\/dd\u003e\n\u003c\/div\u003e\n\u003cdiv\u003e\n\u003cdt\u003eProfit before reserves\u003c\/dt\u003e\n\u003cdd data-owner-output=\"profitBeforeReserves\"\u003e$22,000\u003c\/dd\u003e\n\u003c\/div\u003e\n\u003cdiv\u003e\n\u003cdt\u003eTax + reinvestment reserve\u003c\/dt\u003e\n\u003cdd data-owner-output=\"reserveAmount\"\u003e$6,600\u003c\/dd\u003e\n\u003c\/div\u003e\n\u003cdiv\u003e\n\u003cdt\u003eTarget pay gap\u003c\/dt\u003e\n\u003cdd data-owner-output=\"cashAfterTargetPay\"\u003e$3,400\u003c\/dd\u003e\n\u003c\/div\u003e\n\u003c\/dl\u003e\n\u003cdiv class=\"fml-owner-bridge\"\u003e\n\u003cdiv class=\"fml-owner-bar-row\" data-owner-bridge=\"revenue\"\u003e\n\u003cspan\u003eRevenue\u003c\/span\u003e\u003cdiv\u003e\u003ci style=\"--fml-owner-share: 100%;\"\u003e\u003c\/i\u003e\u003c\/div\u003e\n\u003cb data-owner-bridge-value\u003e$100K\u003c\/b\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"fml-owner-bar-row\" data-owner-bridge=\"grossProfit\"\u003e\n\u003cspan\u003eGross profit\u003c\/span\u003e\u003cdiv\u003e\u003ci style=\"--fml-owner-share: 87%;\"\u003e\u003c\/i\u003e\u003c\/div\u003e\n\u003cb data-owner-bridge-value\u003e$87,000\u003c\/b\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"fml-owner-bar-row\" data-owner-bridge=\"operatingCosts\"\u003e\n\u003cspan\u003eOperating costs\u003c\/span\u003e\u003cdiv\u003e\u003ci style=\"--fml-owner-share: 65%;\"\u003e\u003c\/i\u003e\u003c\/div\u003e\n\u003cb data-owner-bridge-value\u003e$65,000\u003c\/b\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"fml-owner-bar-row\" data-owner-bridge=\"reserveAmount\"\u003e\n\u003cspan\u003eReserves\u003c\/span\u003e\u003cdiv\u003e\u003ci style=\"--fml-owner-share: 7%;\"\u003e\u003c\/i\u003e\u003c\/div\u003e\n\u003cb data-owner-bridge-value\u003e$6,600\u003c\/b\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"fml-owner-bar-row\" data-owner-bridge=\"ownerIncome\"\u003e\n\u003cspan\u003eOwner income\u003c\/span\u003e\u003cdiv\u003e\u003ci style=\"--fml-owner-share: 15%;\"\u003e\u003c\/i\u003e\u003c\/div\u003e\n\u003cb data-owner-bridge-value\u003e$15,400\u003c\/b\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003cbutton class=\"fml-owner-export\" type=\"button\" data-owner-export\u003eEXPORT XLSX\u003c\/button\u003e\u003c\/aside\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"fml-owner-note\"\u003e\n\u003cspan class=\"fml-owner-note-icon\" aria-hidden=\"true\"\u003e!\u003c\/span\u003e\u003cp\u003e\u003cstrong\u003ePlanning note:\u003c\/strong\u003e This is a researched planning estimate only, not guaranteed salary, tax advice, or owner distribution advice. It also excludes taxes, medical-claim outcomes, and legal compliance guarantees.\u003c\/p\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\u003c\/section\u003e\u003cbr\u003e\u003cdiv class=\"container_new_design_blog\"\u003e\n\n\u003cdiv class=\"text-section_blog text-2_new_design_blog\"\u003e\n\n\u003cdiv class=\"line_top_blog\"\u003e\u003cbr\u003e\u003c\/div\u003e\n\n\u003ch3\u003e\u003cspan style=\"color: #126CFF;\"\u003eHow do you check owner income in the model?\u003c\/span\u003e\u003c\/h3\u003e\n\n\u003cp\u003eDashboard tabs tie assumptions to \u003cstrong\u003eowner income\u003c\/strong\u003e, cash runway, and EBITDA in the \u003ca href=\"\/products\/medicare-set-aside-financial-model\"\u003eMedicare Set-Aside Administration Financial Model Template\u003c\/a\u003e—open it.\u003c\/p\u003e\n\n\u003ch4\u003eModel highlights\u003c\/h4\u003e\n\u003cul class=\"lst_crct_blog\"\u003e\n\u003cli\u003eSetup and monthly cohorts\u003c\/li\u003e\n\u003cli\u003e1 CEO, Compliance Director\u003c\/li\u003e\n\u003cli\u003eUp to 5 Administrators\u003c\/li\u003e\n\u003cli\u003e7 support, 3 BDMs\u003c\/li\u003e\n\u003cli\u003eCompliance and direct costs\u003c\/li\u003e\n\u003cli\u003eMarketing, CAC, reserves\u003c\/li\u003e\n\u003cli\u003eCapex, breakeven, payback\u003c\/li\u003e\n\u003cli\u003eScenario charts by year\u003c\/li\u003e\n\u003c\/ul\u003e\n\n\u003c\/div\u003e\n\n\u003cdiv class=\"image-section_blog image-2_new_design_blog\"\u003e\n\n\u003cdiv class=\"preview-card\" data-preview-src=\"\/cdn\/shop\/files\/medicare-set-aside-financial-model-dashboard-financialmodelslab_742f01b8-9450-4799-bfa3-8d8e9500acdd.webp\"\u003e\n\u003cimg class=\"preview-img\" width=\"100%\" height=\"auto\" src=\"\/cdn\/shop\/files\/medicare-set-aside-financial-model-dashboard-financialmodelslab_742f01b8-9450-4799-bfa3-8d8e9500acdd.webp?width=500\" alt=\"Medicare Set-Aside Administration Financial Model dashboard summarizing key KPIs, runway and cash position with dynamic charts and investor-ready metrics to reveal cash-flow blind spots and performance trends.\"\u003e\n\u003cdiv class=\"preview-overlay\"\u003e\n\u003cbutton class=\"preview-btn\" type=\"button\" style=\"align-items: center; vertical-align: middle; display: inline-flex; justify-content: center; gap: 6px; line-height: 1;\"\u003e\nPREVIEW \u003csvg fill=\"#fff\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" aria-hidden=\"true\" focusable=\"false\" role=\"presentation\" viewbox=\"0 0 448 512\" width=\"14\"\u003e\u003cpath d=\"M416 176V86.63L246.6 256L416 425.4V336c0-8.844 7.156-16 16-16s16 7.156 16 16v128c0 8.844-7.156 16-16 16h-128c-8.844 0-16-7.156-16-16s7.156-16 16-16h89.38L224 278.6L54.63 448H144C152.8 448 160 455.2 160 464S152.8 480 144 480h-128C7.156 480 0 472.8 0 464v-128C0 327.2 7.156 320 16 320S32 327.2 32 336v89.38L201.4 256L32 86.63V176C32 184.8 24.84 192 16 192S0 184.8 0 176v-128C0 39.16 7.156 32 16 32h128C152.8 32 160 39.16 160 48S152.8 64 144 64H54.63L224 233.4L393.4 64H304C295.2 64 288 56.84 288 48S295.2 32 304 32h128C440.8 32 448 39.16 448 48v128C448 184.8 440.8 192 432 192S416 184.8 416 176z\"\u003e\u003c\/path\u003e\u003c\/svg\u003e\n\u003c\/button\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\n\u003c\/div\u003e\n\u003c\/div\u003e\n\n\u003ch2\u003e\u003cspan style=\"color: #126CFF;\"\u003eWhat is the Medicare set-aside administration profit margin?\u003c\/span\u003e\u003c\/h2\u003e\u003cbr\u003e\n\u003cp\u003eThe \u003cstrong\u003eMedicare Set-Aside Administration\u003c\/strong\u003e margin is strong at the servicing level: Year 1 direct costs are \u003cstrong\u003e13%\u003c\/strong\u003e of revenue, so gross margin is \u003cstrong\u003e87%\u003c\/strong\u003e, and by Year 5 direct costs fall to \u003cstrong\u003e9%\u003c\/strong\u003e, lifting gross margin to \u003cstrong\u003e91%\u003c\/strong\u003e. The real swing is below gross profit, where payroll, insurance, cybersecurity, legal and audit, software, rent, and marketing drive EBITDA from \u003cstrong\u003e-130%\u003c\/strong\u003e in Year 1 to \u003cstrong\u003e473%\u003c\/strong\u003e in Year 5. For the KPI view, see \u003ca href=\"\/blogs\/kpi-metrics\/medicare-set-aside\"\u003eWhat Are 5 Core KPIs For Medicare Set-Aside Administration?\u003c\/a\u003e\u003c\/p\u003e\n\u003cdiv class=\"container_2_clmn_row\"\u003e\n\u003cdiv class=\"card_smpl blue_card\"\u003e\n\u003cdiv class=\"card_smpl_header\"\u003e\n\u003cimg src=\"\/cdn\/shop\/files\/fml_20_fml-Orange-blog-colons-icon.svg\" alt=\"Icon\" class=\"icon_how_to_use\"\u003e\u003ch3\u003eDirect servicing margin\u003c\/h3\u003e\n\u003c\/div\u003e\n\u003cul class=\"lst_crct_blog\"\u003e\n\u003cli\u003e\n\u003cstrong\u003e13%\u003c\/strong\u003e direct costs in Year 1\u003c\/li\u003e\n\u003cli\u003e\n\u003cstrong\u003e8%\u003c\/strong\u003e banking and transaction fees\u003c\/li\u003e\n\u003cli\u003e\n\u003cstrong\u003e5%\u003c\/strong\u003e cloud platform usage\u003c\/li\u003e\n\u003cli\u003e\n\u003cstrong\u003e87%\u003c\/strong\u003e gross margin in Year 1\u003c\/li\u003e\n\u003c\/ul\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"card_smpl\"\u003e\n\u003cdiv class=\"card_smpl_header\"\u003e\n\u003cimg src=\"\/cdn\/shop\/files\/fml_20_fml-Orange-blog-intro-icon.svg\" alt=\"Icon\" class=\"icon_how_to_use\"\u003e\u003ch3\u003eOperating profit margin\u003c\/h3\u003e\n\u003c\/div\u003e\n\u003cul class=\"lst_crct_blog\"\u003e\n\u003cli\u003e\n\u003cstrong\u003e9%\u003c\/strong\u003e direct costs in Year 5\u003c\/li\u003e\n\u003cli\u003e\n\u003cstrong\u003e91%\u003c\/strong\u003e gross margin in Year 5\u003c\/li\u003e\n\u003cli\u003e\n\u003cstrong\u003e-130%\u003c\/strong\u003e EBITDA in Year 1\u003c\/li\u003e\n\u003cli\u003e\n\u003cstrong\u003e473%\u003c\/strong\u003e EBITDA in Year 5\u003c\/li\u003e\n\u003c\/ul\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\u003cbr\u003e\u003ch2\u003e\u003cspan style=\"color: #126CFF;\"\u003eHow many Medicare set-aside accounts do you need to pay yourself?\u003c\/span\u003e\u003c\/h2\u003e\u003cbr\u003e\n\u003cp\u003eYou’d need about \u003cstrong\u003e102 active accounts\u003c\/strong\u003e to cover a \u003cstrong\u003e$175,000\u003c\/strong\u003e salary from recurring margin alone in \u003cstrong\u003eMedicare Set-Aside Administration\u003c\/strong\u003e, and about \u003cstrong\u003e413 active accounts\u003c\/strong\u003e once Year 1 fixed overhead, non-owner payroll, and marketing are included. Here’s the quick math: \u003cstrong\u003e$165\u003c\/strong\u003e monthly recurring revenue at \u003cstrong\u003e87%\u003c\/strong\u003e gross margin gives about \u003cstrong\u003e$143.55\u003c\/strong\u003e contribution per account per month. Setup fees of \u003cstrong\u003e$750\u003c\/strong\u003e and new-case flow can lower the active-account load, but depletion, renewal timing, and service work will move the answer.\u003c\/p\u003e\n\u003cdiv class=\"container_2_clmn_row\"\u003e\n\u003cdiv class=\"card_smpl\"\u003e\n\u003cdiv class=\"card_smpl_header\"\u003e\n\u003cimg src=\"\/cdn\/shop\/files\/fml_20_fml-Orange-blog-intro-icon.svg\" alt=\"Icon\" class=\"icon_how_to_use\"\u003e\u003ch3\u003eRecurring-only math\u003c\/h3\u003e\n\u003c\/div\u003e\n\u003cul class=\"lst_crct_blog\"\u003e\n\u003cli\u003e\n\u003cstrong\u003e$143.55\u003c\/strong\u003e monthly contribution per account\u003c\/li\u003e\n\u003cli\u003e\n\u003cstrong\u003e102\u003c\/strong\u003e accounts for \u003cstrong\u003e$175,000\u003c\/strong\u003e salary\u003c\/li\u003e\n\u003cli\u003e\n\u003cstrong\u003e$165\u003c\/strong\u003e monthly revenue per active account\u003c\/li\u003e\n\u003cli\u003e\n\u003cstrong\u003e87%\u003c\/strong\u003e gross margin drives the math\u003c\/li\u003e\n\u003c\/ul\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"card_smpl blue_card\"\u003e\n\u003cdiv class=\"card_smpl_header\"\u003e\n\u003cimg src=\"\/cdn\/shop\/files\/fml_20_fml-Orange-blog-colons-icon.svg\" alt=\"Icon\" class=\"icon_how_to_use\"\u003e\u003ch3\u003eWhat changes the count\u003c\/h3\u003e\n\u003c\/div\u003e\n\u003cul class=\"lst_crct_blog\"\u003e\n\u003cli\u003e\n\u003cstrong\u003e413\u003c\/strong\u003e accounts with full Year 1 load\u003c\/li\u003e\n\u003cli\u003e\n\u003cstrong\u003e$750\u003c\/strong\u003e setup fees add cash up front\u003c\/li\u003e\n\u003cli\u003eNew cases reduce the account burden\u003c\/li\u003e\n\u003cli\u003eDepletion and renewals change workload\u003c\/li\u003e\n\u003c\/ul\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\u003cbr\u003e\u003ch2\u003e\u003cspan style=\"color: #126CFF;\"\u003eIs Medicare set-aside administration a scalable business?\u003c\/span\u003e\u003c\/h2\u003e\u003cbr\u003e\n\u003cp\u003e\u003cstrong\u003eYes\u003c\/strong\u003e—\u003cstrong\u003eMedicare Set-Aside Administration\u003c\/strong\u003e can scale, but only if workflow, staffing, controls, and referral quality grow with account volume. In Year 1, the model is owner-led with \u003cstrong\u003e1 senior administrator\u003c\/strong\u003e, \u003cstrong\u003e1 support specialist\u003c\/strong\u003e, and \u003cstrong\u003e1 business development manager\u003c\/strong\u003e; by Year 5 it expands to \u003cstrong\u003e5 administrators\u003c\/strong\u003e, \u003cstrong\u003e7 support specialists\u003c\/strong\u003e, and \u003cstrong\u003e3 business development managers\u003c\/strong\u003e, with revenue rising from \u003cstrong\u003e$775,000\u003c\/strong\u003e to \u003cstrong\u003e$5.256 million\u003c\/strong\u003e and EBITDA from \u003cstrong\u003e-$101,000\u003c\/strong\u003e to \u003cstrong\u003e$2.484 million\u003c\/strong\u003e. The real bottlenecks are claims payment workload, reporting, client support, cybersecurity, custody relationships, and audit readiness, so scale depends on tight process control, not just more accounts.\u003c\/p\u003e\n\u003cdiv class=\"container_2_clmn_row\"\u003e\n\u003cdiv class=\"card_smpl\"\u003e\n\u003cdiv class=\"card_smpl_header\"\u003e\n\u003cimg src=\"\/cdn\/shop\/files\/fml_20_fml-Orange-blog-intro-icon.svg\" alt=\"Icon\" class=\"icon_how_to_use\"\u003e\u003ch3\u003eWhat must scale\u003c\/h3\u003e\n\u003c\/div\u003e\n\u003cul class=\"lst_crct_blog\"\u003e\n\u003cli\u003e\n\u003cstrong\u003e1 senior admin\u003c\/strong\u003e to owner-led setup\u003c\/li\u003e\n\u003cli\u003e\n\u003cstrong\u003e5 administrators\u003c\/strong\u003e by Year 5\u003c\/li\u003e\n\u003cli\u003e\n\u003cstrong\u003e7 support specialists\u003c\/strong\u003e by Year 5\u003c\/li\u003e\n\u003cli\u003e\n\u003cstrong\u003e3 business development managers\u003c\/strong\u003e by Year 5\u003c\/li\u003e\n\u003c\/ul\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"card_smpl blue_card\"\u003e\n\u003cdiv class=\"card_smpl_header\"\u003e\n\u003cimg src=\"\/cdn\/shop\/files\/fml_20_fml-Orange-blog-colons-icon.svg\" alt=\"Icon\" class=\"icon_how_to_use\"\u003e\u003ch3\u003eWhat can break\u003c\/h3\u003e\n\u003c\/div\u003e\n\u003cul class=\"lst_crct_blog\"\u003e\n\u003cli\u003e\n\u003cstrong\u003eClaims payment\u003c\/strong\u003e workload spikes fast\u003c\/li\u003e\n\u003cli\u003e\n\u003cstrong\u003eAnnual reporting\u003c\/strong\u003e needs clean controls\u003c\/li\u003e\n\u003cli\u003e\n\u003cstrong\u003eCybersecurity\u003c\/strong\u003e risk grows with account data\u003c\/li\u003e\n\u003cli\u003e\n\u003cstrong\u003eAudit readiness\u003c\/strong\u003e must stay consistent\u003c\/li\u003e\n\u003c\/ul\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\u003cbr\u003e\u003cbr\u003e\u003cbr\u003e\n\n\u003ch2\u003e\u003cspan style=\"color: #126CFF;\"\u003eWant the six income drivers?\n\u003c\/span\u003e\u003c\/h2\u003e\n\u003csection class=\"fml-main-income-drivers\" aria-label=\"Main income drivers for Medicare set-aside administration.\"\u003e\u003carticle class=\"driver-option is-cards\"\u003e\u003cdiv class=\"main-driver-grid\"\u003e\n\u003carticle class=\"main-driver-card is-primary\"\u003e\u003cdiv class=\"main-driver-heading\"\u003e\n\u003cspan class=\"driver-rank\"\u003e1\u003c\/span\u003e\u003ch4\u003eActive Accounts\u003c\/h4\u003e\n\u003c\/div\u003e\n\u003cstrong\u003e$775K-$5.3M\u003c\/strong\u003e\u003cp\u003eMore active files lift both the $750 setup fee and the $165 monthly fee, so this is the clearest path to higher owner take-home.\u003c\/p\u003e\u003c\/article\u003e\u003carticle class=\"main-driver-card\"\u003e\u003cdiv class=\"main-driver-heading\"\u003e\n\u003cspan class=\"driver-rank\"\u003e2\u003c\/span\u003e\u003ch4\u003eStaffing Model\u003c\/h4\u003e\n\u003c\/div\u003e\n\u003cstrong\u003e$415K-$1.33M\u003c\/strong\u003e\u003cp\u003eLabor scales from a $415K base and can pass $1.3M, so staffing is a fast way to protect or lose EBITDA as volume grows.\u003c\/p\u003e\u003c\/article\u003e\u003carticle class=\"main-driver-card\"\u003e\u003cdiv class=\"main-driver-heading\"\u003e\n\u003cspan class=\"driver-rank\"\u003e3\u003c\/span\u003e\u003ch4\u003eReferral Flow\u003c\/h4\u003e\n\u003c\/div\u003e\n\u003cstrong\u003eCAC $850\u003c\/strong\u003e\u003cp\u003eBetter referral flow lowers acquisition cost from $850 toward $650, which buys more claims with the same marketing budget.\u003c\/p\u003e\u003c\/article\u003e\u003carticle class=\"main-driver-card\"\u003e\u003cdiv class=\"main-driver-heading\"\u003e\n\u003cspan class=\"driver-rank\"\u003e4\u003c\/span\u003e\u003ch4\u003eFee Structure\u003c\/h4\u003e\n\u003c\/div\u003e\n\u003cstrong\u003e$165\/$750\u003c\/strong\u003e\u003cp\u003eThe mix of recurring and setup fees sets revenue per claim, so small price moves flow straight into owner income.\u003c\/p\u003e\u003c\/article\u003e\u003carticle class=\"main-driver-card\"\u003e\u003cdiv class=\"main-driver-heading\"\u003e\n\u003cspan class=\"driver-rank\"\u003e5\u003c\/span\u003e\u003ch4\u003eServicing Efficiency\u003c\/h4\u003e\n\u003c\/div\u003e\n\u003cstrong\u003e87%\u003c\/strong\u003e\u003cp\u003eHolding banking and cloud costs near 13% keeps gross margin at 87% and leaves more cash after client work is done.\u003c\/p\u003e\u003c\/article\u003e\u003carticle class=\"main-driver-card\"\u003e\u003cdiv class=\"main-driver-heading\"\u003e\n\u003cspan class=\"driver-rank\"\u003e6\u003c\/span\u003e\u003ch4\u003eReserve Burden\u003c\/h4\u003e\n\u003c\/div\u003e\n\u003cstrong\u003e$525K\u003c\/strong\u003e\u003cp\u003eThe $525K cash floor ties up money before payback, so it limits early draws and raises downside risk.\u003c\/p\u003e\u003c\/article\u003e\n\u003c\/div\u003e\u003c\/article\u003e\u003c\/section\u003e\u003cbr\u003e\u003ch2\u003e\u003cspan style=\"color: #126CFF;\"\u003eMedicare Set-Aside Administration Core Six Income Drivers\u003c\/span\u003e\u003c\/h2\u003e\u003cbr\u003e\u003cbr\u003e\n\u003ch3\u003e\u003cspan style=\"color: #126CFF;\"\u003eActive account base\u003c\/span\u003e\u003c\/h3\u003e\u003cbr\u003e\n\u003cdiv class=\"container_new_design_timeline\"\u003e\n\u003cdiv class=\"left-row1\"\u003e\n\u003ch3\u003eActive Account Base\u003c\/h3\u003e\n\u003cp\u003eThe active account base is the count of Medicare set-aside accounts earning monthly admin fees. In this model, the weighted recurring fee (the average monthly fee across the mix) is \u003cstrong\u003e$165 per month\u003c\/strong\u003e in \u003cstrong\u003eYear 1\u003c\/strong\u003e and \u003cstrong\u003e$206 per month\u003c\/strong\u003e in \u003cstrong\u003eYear 5\u003c\/strong\u003e, so owner income rises with every funded account kept active. Revenue is basically \u003cstrong\u003eactive accounts × monthly fee\u003c\/strong\u003e, which makes the base the main driver of predictable cash and distributions.\u003c\/p\u003e\n\u003cp\u003eThe catch is service load. If renewals, depletion, bill review, and reporting are not controlled, new accounts can add work faster than margin. That is how growth turns into a support backlog. Income improves only when staffing and servicing time stay aligned, because the owner can only pay themselves from cash that is not trapped in rework or client support.\u003c\/p\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"right-row1\"\u003e\n\u003cdiv class=\"tips-box\"\u003e\n\u003ch3\u003eTrack the Base, Not Just New Cases\u003c\/h3\u003e\n\u003cp\u003eTrack \u003cstrong\u003eactive accounts\u003c\/strong\u003e, not just signed cases. A simple forecast needs four inputs: opening active base, monthly new-funded accounts, churn from depletion or closure, and average fee per account. Then test \u003cstrong\u003erenewal rate\u003c\/strong\u003e and \u003cstrong\u003eservicing minutes per account\u003c\/strong\u003e each month so you can see whether recurring revenue is growing faster than labor.\u003c\/p\u003e\n\u003cp\u003eSet a capacity limit for each staff member and watch it weekly. If the base grows but billing, payments, and reporting lag, cash flow looks better than profit. The real goal is a base that stays current enough to support owner draws, because overdue work can force overtime, hiring, or delays in distributions.\u003c\/p\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"timeline\"\u003e\u003c\/div\u003e\n\u003cdiv class=\"step-circle step1\"\u003e1\u003c\/div\u003e\n\u003c\/div\u003e\u003cbr\u003e\u003cbr\u003e\u003ch3\u003e\u003cspan style=\"color: #126CFF;\"\u003eReferral and new-case volume\u003c\/span\u003e\u003c\/h3\u003e\u003cbr\u003e\n\u003cdiv class=\"container_new_design_timeline\"\u003e\n\u003cdiv class=\"right-row2\"\u003e\n\u003ch3\u003eReferral and new-case volume\u003c\/h3\u003e\n\u003cp\u003e\u003cstrong\u003eNew cases\u003c\/strong\u003e drive both the \u003cstrong\u003e$750\u003c\/strong\u003e Year 1 setup fee and future monthly administration revenue, so this driver hits cash flow fast and then compounds over time. With setup fees rising to \u003cstrong\u003e$850\u003c\/strong\u003e by Year 5, the owner’s income depends on how many referrals turn into funded accounts, how fast they close, and whether the case mix stays high-trust.\u003c\/p\u003e\n\u003cp\u003eHere’s the quick math: marketing budget grows from \u003cstrong\u003e$120,000\u003c\/strong\u003e to \u003cstrong\u003e$400,000\u003c\/strong\u003e, while CAC improves from \u003cstrong\u003e$850\u003c\/strong\u003e to \u003cstrong\u003e$650\u003c\/strong\u003e. That means Year 1 setup fee alone does not cover acquisition cost; the recurring fee stream has to make up the gap. If referral-to-funded time stretches, cash collection slows and owner draws get pushed back.\u003c\/p\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"left-row2\"\u003e\n\u003cdiv class=\"tips-box\"\u003e\n\u003ch3\u003eTrack referral yield, not just leads\u003c\/h3\u003e\n\u003cp\u003eMeasure referrals by source: attorneys, settlement planners, insurers, and claim stakeholders. Track \u003cstrong\u003ereferral count\u003c\/strong\u003e, \u003cstrong\u003econversion rate\u003c\/strong\u003e, \u003cstrong\u003edays to funded account\u003c\/strong\u003e, and \u003cstrong\u003eCAC\u003c\/strong\u003e by source so you can see which channels actually pay back. A source with fewer leads can still be better if it closes faster and brings repeat cases.\u003c\/p\u003e\n\u003cp\u003eImprove trust with tight follow-up, clear onboarding, and fast case setup. If one referral source sends accounts that fund in under \u003cstrong\u003e30 days\u003c\/strong\u003e and another takes much longer, prioritize the faster path. More speed means earlier setup fee cash, earlier recurring revenue, and less strain on working capital before owner pay.\u003c\/p\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"timeline\"\u003e\u003c\/div\u003e\n\u003cdiv class=\"step-circle step2\"\u003e2\u003c\/div\u003e\n\u003c\/div\u003e\u003cbr\u003e\u003cbr\u003e\u003ch3\u003e\u003cspan style=\"color: #126CFF;\"\u003eFee structure and revenue mix\u003c\/span\u003e\u003c\/h3\u003e\u003cbr\u003e\n\u003cdiv class=\"container_new_design_timeline\"\u003e\n  \u003cdiv class=\"left-row3\"\u003e\n    \u003ch3\u003eFee Mix\u003c\/h3\u003e\n    \u003cp\u003ePricing moves owner income fast here because the service is mostly recurring and direct costs are percentage-based. The Year 1 mix is \u003cstrong\u003e85% standard at $150\u003c\/strong\u003e and \u003cstrong\u003e15% complex at $250\u003c\/strong\u003e, which equals a weighted monthly fee of \u003cstrong\u003e$165\u003c\/strong\u003e per account. By Year 5, the mix shifts to \u003cstrong\u003e70% standard at $170\u003c\/strong\u003e and \u003cstrong\u003e30% complex at $290\u003c\/strong\u003e, lifting the weighted fee to \u003cstrong\u003e$206\u003c\/strong\u003e.\u003c\/p\u003e\n    \u003cp\u003eThat is a \u003cstrong\u003e25% increase\u003c\/strong\u003e in monthly revenue per account before setup fees. For every \u003cstrong\u003e100 active accounts\u003c\/strong\u003e, recurring revenue moves from \u003cstrong\u003e$16,500\u003c\/strong\u003e to \u003cstrong\u003e$20,600\u003c\/strong\u003e a month. \u003cstrong\u003eSetup fees on 100% of new accounts\u003c\/strong\u003e add early cash, but the real driver is how much of the book shifts into higher-fee complex work without letting servicing cost rise faster than price.\u003c\/p\u003e\n  \u003c\/div\u003e\n  \u003cdiv class=\"right-row3\"\u003e\n    \u003cdiv class=\"tips-box\"\u003e\n      \u003ch3\u003eTrack Mix and Price\u003c\/h3\u003e\n      \u003cp\u003eWatch \u003cstrong\u003estandard vs. complex account mix\u003c\/strong\u003e, \u003cstrong\u003emonthly fee per account\u003c\/strong\u003e, and \u003cstrong\u003esetup-fee capture rate\u003c\/strong\u003e every month. Here’s the quick math: if the mix changes but direct costs stay percentage-based, each fee increase should raise gross profit and owner draw faster than it raises workload. \u003cstrong\u003ePricing is a planning variable, not regulated pricing advice.\u003c\/strong\u003e\u003c\/p\u003e\n      \u003cp\u003eTest whether new cases are landing in the higher-fee segment and whether the added revenue covers the extra admin time. If complex accounts rise from \u003cstrong\u003e15%\u003c\/strong\u003e to \u003cstrong\u003e30%\u003c\/strong\u003e but servicing time climbs too, margin can slip even with better pricing. Keep a simple forecast by account type so you can see cash flow, not just top-line growth.\u003c\/p\u003e\n    \u003c\/div\u003e\n  \u003c\/div\u003e\n  \u003cdiv class=\"timeline\"\u003e\u003c\/div\u003e\n  \u003cdiv class=\"step-circle step3\"\u003e3\u003c\/div\u003e\n\u003c\/div\u003e\u003cbr\u003e\u003cbr\u003e\u003ch3\u003e\u003cspan style=\"color: #126CFF;\"\u003eServicing workload and workflow\u003c\/span\u003e\u003c\/h3\u003e\u003cbr\u003e\n\u003cdiv class=\"container_new_design_timeline\"\u003e\n  \u003cdiv class=\"right-row4\"\u003e\n    \u003ch3\u003eServicing Workflow\u003c\/h3\u003e\n    \u003cp\u003e\u003cstrong\u003eBill review, payments, records, reporting, and client support\u003c\/strong\u003e drive this margin line. If each account needs more hands-on work, direct servicing cost rises and owner pay shrinks. The model assumes \u003cstrong\u003e13%\u003c\/strong\u003e of revenue in Year 1, improving to \u003cstrong\u003e9%\u003c\/strong\u003e by Year 5, so every \u003cstrong\u003e$100,000\u003c\/strong\u003e of revenue leaves about \u003cstrong\u003e$87,000\u003c\/strong\u003e or \u003cstrong\u003e$91,000\u003c\/strong\u003e before overhead.\u003c\/p\u003e\n    \u003cp\u003eThe pressure point is case mix. When complex accounts grow from \u003cstrong\u003e15%\u003c\/strong\u003e to \u003cstrong\u003e30%\u003c\/strong\u003e, more time goes to controls and client questions, not just automation. \u003cstrong\u003eMore time per account means less profit per dollar collected.\u003c\/strong\u003e If workflow slips, hiring comes earlier and cash available for owner distributions drops.\u003c\/p\u003e\n  \u003c\/div\u003e\n  \u003cdiv class=\"left-row4\"\u003e\n    \u003cdiv class=\"tips-box\"\u003e\n      \u003ch3\u003eTrack time by account type\u003c\/h3\u003e\n      \u003cp\u003eMeasure servicing hours by task and by account type, then compare standard versus complex cases. The inputs that matter are active accounts, complex-case share, bill volume, payment exceptions, reporting load, and support tickets. If you do not know hours per account, you cannot tell whether the \u003cstrong\u003e13%\u003c\/strong\u003e direct cost target is holding.\u003c\/p\u003e\n      \u003cul class=\"lst_crct_blog\"\u003e\n        \u003cli\u003eTrack minutes per bill review.\u003c\/li\u003e\n        \u003cli\u003eLog payment exceptions and rework.\u003c\/li\u003e\n        \u003cli\u003eSeparate standard from complex cases.\u003c\/li\u003e\n        \u003cli\u003eReview annual reporting workload monthly.\u003c\/li\u003e\n      \u003c\/ul\u003e\n      \u003cp\u003eUse automation for routing and reminders, but keep required controls manual where ne\neded. The goal is simple: reduce repeat touches, protect compliance, and keep direct servicing closer to \u003cstrong\u003e9%\u003c\/strong\u003e as volume grows. \u003cstrong\u003eMeasure the work, then price and staff to it.\u003c\/strong\u003e\u003c\/p\u003e\n    \u003c\/div\u003e\n  \u003c\/div\u003e\n  \u003cdiv class=\"timeline\"\u003e\u003c\/div\u003e\n  \u003cdiv class=\"step-circle step4\"\u003e4\u003c\/div\u003e\n\u003c\/div\u003e\u003cbr\u003e\u003cbr\u003e\u003ch3\u003e\u003cspan style=\"color: #126CFF;\"\u003eStaffing and owner role\u003c\/span\u003e\u003c\/h3\u003e\u003cbr\u003e\n\u003cdiv class=\"container_new_design_timeline\"\u003e\n\u003cdiv class=\"left-row5\"\u003e\n\u003ch3\u003eFounder Pay vs Staffed Compliance\u003c\/h3\u003e\n\u003cp\u003eOwner take-home here splits into \u003cstrong\u003ereplacement salary\u003c\/strong\u003e and \u003cstrong\u003eprofit distribution\u003c\/strong\u003e. The model starts with a \u003cstrong\u003e$175,000\u003c\/strong\u003e CEO and Compliance Director salary from launch, plus \u003cstrong\u003e$240,000\u003c\/strong\u003e of non-owner payroll in Year 1. That lowers near-term profit, but it also buys the compliance work, client service, and control needed to keep accounts in good standing.\u003c\/p\u003e\n\u003cp\u003eIf the founder is still doing the compliance work, that labor should be treated as a real salary cost, not hidden profit. As administrators, support, and business development expand, payroll rises fast, so cash flow has to cover staff before owner draws. The key test is simple: does each hire free up enough time or add enough managed accounts to justify the cost?\u003c\/p\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"right-row5\"\u003e\n\u003cdiv class=\"tips-box\"\u003e\n\u003ch3\u003eTrack Payroll Before Owner Draws\u003c\/h3\u003e\n\u003cp\u003eWatch \u003cstrong\u003epayroll per active account\u003c\/strong\u003e, backlog, and reporting turnaround. If non-owner payroll rises faster than recurring fees, owner income gets squeezed even when revenue looks stable. The first check is whether the \u003cstrong\u003e$175,000\u003c\/strong\u003e role is truly managing compliance and oversight, or duplicating work that could stay with the founder longer.\u003c\/p\u003e\n\u003cp\u003eUse staffing only when the case load needs it. Measure whether new administrators reduce service time, whether support staff cut response delays, and whether business development adds funded accounts fast enough to cover their cost. Short-term profit may fall, but the right staffing mix protects service quality and makes distributions more reliable later.\u003c\/p\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"timeline\"\u003e\u003c\/div\u003e\n\u003cdiv class=\"step-circle step5\"\u003e5\u003c\/div\u003e\n\u003c\/div\u003e\u003cbr\u003e\u003cbr\u003e\u003ch3\u003e\u003cspan style=\"color: #126CFF;\"\u003eCompliance costs, vendors, and reserves\u003c\/span\u003e\u003c\/h3\u003e\u003cbr\u003e\n\u003cdiv class=\"container_new_design_timeline\"\u003e\n\u003cdiv class=\"right-row6\"\u003e\n\u003ch3\u003eCompliance Burn Rate\u003c\/h3\u003e\n\u003cp\u003eThis driver is the cash cost of staying compliant and keeping vendors stable. The fixed monthly stack is \u003cstrong\u003e$1,200\u003c\/strong\u003e professional liability insurance, \u003cstrong\u003e$2,500\u003c\/strong\u003e cybersecurity, \u003cstrong\u003e$3,000\u003c\/strong\u003e legal and audit, \u003cstrong\u003e$1,500\u003c\/strong\u003e software, and \u003cstrong\u003e$6,500\u003c\/strong\u003e rent and utilities, or \u003cstrong\u003e$14,700\u003c\/strong\u003e a month before payroll. That spend cuts near-term owner distributions, but it protects reporting, data, and service quality.\u003c\/p\u003e\n\u003cp\u003eHere’s the quick math: if controls slip, the business can lose time to audits, data fixes, client-service issues, and vendor problems. The model’s minimum cash need is \u003cstrong\u003e$525,000\u003c\/strong\u003e in Month 7, so owner pay only works if reserves stay above that floor before any draw.\u003c\/p\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"left-row6\"\u003e\n\u003cdiv class=\"tips-box\"\u003e\n\u003ch3\u003eProtect Cash and Controls\u003c\/h3\u003e\n\u003cp\u003eTrack cash burn, not just profit. The key inputs are monthly fixed overhead, vendor renewal dates, legal and audit hours, cybersecurity bills, and the reserve balance versus the \u003cstrong\u003e$525,000\u003c\/strong\u003e Month 7 target. If the reserve trend drops, pause owner distributions and slow nonessential spend.\u003c\/p\u003e\n\u003cul class=\"lst_crct_blog\"\u003e\n\u003cli\u003eWatch the \u003cstrong\u003e$14,700\u003c\/strong\u003e fixed monthly overhead\u003c\/li\u003e\n\u003cli\u003eReview reserves before each owner draw\u003c\/li\u003e\n\u003cli\u003eLog compliance exceptions and rework hours\u003c\/li\u003e\n\u003cli\u003eCheck vendor invoices against contract terms\u003c\/li\u003e\n\u003c\/ul\u003e\n\u003cp\u003eUse tighter controls on bill review, payment approval, and reporting deadlines. A missed compliance step can trigger extra legal cost, delayed collections, or service failures, and that hits owner income fast. Strong vendor terms help, but only if cash planning matches the payment cycle.\u003c\/p\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"timeline\"\u003e\u003c\/div\u003e\n\u003cdiv class=\"step-circle step6\"\u003e6\u003c\/div\u003e\n\u003c\/div\u003e\u003cbr\u003e\u003cbr\u003e\u003cbr\u003e\u003ch2\u003e\u003cspan style=\"color: #126CFF;\"\u003eCompare lean, base, and high-growth owner income scenarios\n\u003c\/span\u003e\u003c\/h2\u003e\n\u003csection class=\"fml-scenario-table\" aria-label=\"Medicare Set-Aside Administration Owner Income Scenarios\" data-site-name=\"Financial Models Lab\" data-site-url=\"https:\/\/financialmodelslab.com\" data-source-title=\"Medicare Set-Aside Administration Owner Income Scenarios\" data-note-label=\"Planning note\" data-note-text=\"Scenario ranges are researched planning assumptions, not guaranteed earnings, salary promises, tax advice, or distributions.\"\u003e\u003cdiv class=\"fml-scenario-table-card\"\u003e\n\u003cheader class=\"fml-scenario-table-header\"\u003e\u003cdiv\u003e\n\u003cp class=\"fml-scenario-table-eyebrow\"\u003eOwner income scenarios\u003c\/p\u003e\n\u003cp class=\"fml-scenario-table-description\"\u003eOwner income shifts with revenue scale, CAC, margin, and staffing. The model moves from a cash-tight launch to a scalable base case and a mature high case.\u003c\/p\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"fml-scenario-table-actions\"\u003e\u003cbutton class=\"fml-scenario-table-export\" type=\"button\" data-scenario-export\u003eEXPORT XLSX\u003c\/button\u003e\u003c\/div\u003e\u003c\/header\u003e\u003cdiv class=\"fml-scenario-table-wrap\"\u003e\u003ctable class=\"fml-scenario-table-grid\"\u003e\n\u003ccaption\u003eCompare lean, base, and high owner income paths.\u003c\/caption\u003e\n\u003cthead\u003e\u003ctr\u003e\n\u003cth class=\"fml-scenario-table-stub\" scope=\"col\" data-export-value=\"Scenario\"\u003eScenario\u003c\/th\u003e\n\u003cth class=\"fml-scenario-table-column\" scope=\"col\" data-export-value=\"Low Case\"\u003e\n\u003cspan class=\"fml-scenario-column-title\"\u003eLow Case\u003c\/span\u003e\u003cspan class=\"fml-scenario-badge is-soft\"\u003eCash-tight\u003c\/span\u003e\n\u003c\/th\u003e\n\u003cth class=\"fml-scenario-table-column\" scope=\"col\" data-export-value=\"Base Case\"\u003e\n\u003cspan class=\"fml-scenario-column-title\"\u003eBase Case\u003c\/span\u003e\u003cspan class=\"fml-scenario-badge is-soft\"\u003eScalable\u003c\/span\u003e\n\u003c\/th\u003e\n\u003cth class=\"fml-scenario-table-column\" scope=\"col\" data-export-value=\"High Case\"\u003e\n\u003cspan class=\"fml-scenario-column-title\"\u003eHigh Case\u003c\/span\u003e\u003cspan class=\"fml-scenario-badge is-warning\"\u003eMature\u003c\/span\u003e\n\u003c\/th\u003e\n\u003c\/tr\u003e\u003c\/thead\u003e\n\u003ctbody\u003e\n\u003ctr data-scenario-row\u003e\n\u003cth class=\"fml-scenario-row-heading\" scope=\"row\" data-export-value=\"Launch model\"\u003e\u003cspan class=\"fml-scenario-row-heading-inner\"\u003e\u003cspan class=\"fml-scenario-row-icon is-launch\" aria-hidden=\"true\"\u003e\u003cimg class=\"fml-scenario-row-icon-img\" src=\"\/cdn\/shop\/files\/scenario-launch-model.svg\" alt=\"Launch model icon\" loading=\"lazy\"\u003e\u003c\/span\u003e\u003cspan\u003e\u003cspan class=\"fml-scenario-row-title\"\u003eLaunch model\u003c\/span\u003e\u003c\/span\u003e\u003c\/span\u003e\u003c\/th\u003e\n\u003ctd data-export-value=\"This is the lean launch case with negative EBITDA and tight cash.\"\u003eThis is the lean launch case with negative EBITDA and tight cash.\u003c\/td\u003e\n\u003ctd data-export-value=\"This is the modeled core case with profit turning positive as volume builds.\"\u003eThis is the modeled core case with profit turning positive as volume builds.\u003c\/td\u003e\n\u003ctd data-export-value=\"This is the stronger scale case with the highest profit path in the model.\"\u003eThis is the stronger scale case with the highest profit path in the model.\u003c\/td\u003e\n\u003c\/tr\u003e\n\u003ctr data-scenario-row\u003e\n\u003cth class=\"fml-scenario-row-heading\" scope=\"row\" data-export-value=\"Typical setup\"\u003e\u003cspan class=\"fml-scenario-row-heading-inner\"\u003e\u003cspan class=\"fml-scenario-row-icon is-setup\" aria-hidden=\"true\"\u003e\u003cimg class=\"fml-scenario-row-icon-img\" src=\"\/cdn\/shop\/files\/scenario-typical-setup.svg\" alt=\"Typical setup icon\" loading=\"lazy\"\u003e\u003c\/span\u003e\u003cspan\u003e\u003cspan class=\"fml-scenario-row-title\"\u003eTypical setup\u003c\/span\u003e\u003c\/span\u003e\u003c\/span\u003e\u003c\/th\u003e\n\u003ctd data-export-value=\"Year 1 lands at $775,000 revenue, -$101,000 EBITDA, a $175,000 owner salary, 87% gross margin, and $120,000 marketing.\"\u003eYear 1 lands at $775,000 revenue, -$101,000 EBITDA, a $175,000 owner salary, 87% gross margin, and $120,000 marketing.\u003c\/td\u003e\n\u003ctd data-export-value=\"Year 3 reaches $2,612,000 revenue, $832,000 EBITDA, 89% gross margin, $250,000 marketing, and $750 CAC.\"\u003eYear 3 reaches $2,612,000 revenue, $832,000 EBITDA, 89% gross margin, $250,000 marketing, and $750 CAC.\u003c\/td\u003e\n\u003ctd data-export-value=\"Year 5 reaches $5,256,000 revenue, $2,484,000 EBITDA, 91% gross margin, $400,000 marketing, and $650 CAC.\"\u003eYear 5 reaches $5,256,000 revenue, $2,484,000 EBITDA, 91% gross margin, $400,000 marketing, and $650 CAC.\u003c\/td\u003e\n\u003c\/tr\u003e\n\u003ctr data-scenario-row\u003e\n\u003cth class=\"fml-scenario-row-heading\" scope=\"row\" data-export-value=\"Cost drivers\"\u003e\u003cspan class=\"fml-scenario-row-heading-inner\"\u003e\u003cspan class=\"fml-scenario-row-icon is-drivers\" aria-hidden=\"true\"\u003e\u003cimg class=\"fml-scenario-row-icon-img\" src=\"\/cdn\/shop\/files\/scenario-cost-drivers.svg\" alt=\"Cost drivers icon\" loading=\"lazy\"\u003e\u003c\/span\u003e\u003cspan\u003e\u003cspan class=\"fml-scenario-row-title\"\u003eCost drivers\u003c\/span\u003e\u003c\/span\u003e\u003c\/span\u003e\u003c\/th\u003e\n\u003ctd data-export-value=\"Marketing spend; $850 CAC; 87% gross margin; Month 8 breakeven; $525k minimum cash\"\u003e\u003cul class=\"fml-scenario-list\"\u003e\n\u003cli\u003eMarketing spend\u003c\/li\u003e\n\u003cli\u003e$850 CAC\u003c\/li\u003e\n\u003cli\u003e87% gross margin\u003c\/li\u003e\n\u003cli\u003eMonth 8 breakeven\u003c\/li\u003e\n\u003cli\u003e$525k minimum cash\u003c\/li\u003e\n\u003c\/ul\u003e\u003c\/td\u003e\n\u003ctd data-export-value=\"Revenue scale; $750 CAC; 89% gross margin; $250k marketing; staffing ramp\"\u003e\u003cul class=\"fml-scenario-list\"\u003e\n\u003cli\u003eRevenue scale\u003c\/li\u003e\n\u003cli\u003e$750 CAC\u003c\/li\u003e\n\u003cli\u003e89% gross margin\u003c\/li\u003e\n\u003cli\u003e$250k marketing\u003c\/li\u003e\n\u003cli\u003estaffing ramp\u003c\/li\u003e\n\u003c\/ul\u003e\u003c\/td\u003e\n\u003ctd data-export-value=\"Mature volume; $650 CAC; 91% gross margin; $400k marketing; larger admin team\"\u003e\u003cul class=\"fml-scenario-list\"\u003e\n\u003cli\u003eMature volume\u003c\/li\u003e\n\u003cli\u003e$650 CAC\u003c\/li\u003e\n\u003cli\u003e91% gross margin\u003c\/li\u003e\n\u003cli\u003e$400k marketing\u003c\/li\u003e\n\u003cli\u003elarger admin team\u003c\/li\u003e\n\u003c\/ul\u003e\u003c\/td\u003e\n\u003c\/tr\u003e\n\u003ctr data-scenario-row\u003e\n\u003cth class=\"fml-scenario-row-heading\" scope=\"row\" data-export-value=\"Owner income range\"\u003e\u003cspan class=\"fml-scenario-row-heading-inner\"\u003e\u003cspan class=\"fml-scenario-row-icon is-range\" aria-hidden=\"true\"\u003e\u003cimg class=\"fml-scenario-row-icon-img\" src=\"\/cdn\/shop\/files\/scenario-planning-range.svg\" alt=\"Owner income range icon\" loading=\"lazy\"\u003e\u003c\/span\u003e\u003cspan\u003e\u003cspan class=\"fml-scenario-row-title\"\u003eOwner income range\u003c\/span\u003e\u003cspan class=\"fml-scenario-row-subtitle\"\u003eBefore owner reserves\u003c\/span\u003e\u003c\/span\u003e\u003c\/span\u003e\u003c\/th\u003e\n\u003ctd data-export-value=\"-$101k EBITDA\"\u003e\n\u003cstrong class=\"fml-scenario-range\"\u003e-$101k EBITDA\u003c\/strong\u003e\u003cspan class=\"fml-scenario-badge is-soft\"\u003eLean case\u003c\/span\u003e\n\u003c\/td\u003e\n\u003ctd data-export-value=\"$832k EBITDA\"\u003e\n\u003cstrong class=\"fml-scenario-range\"\u003e$832k EBITDA\u003c\/strong\u003e\u003cspan class=\"fml-scenario-badge is-soft\"\u003eCore case\u003c\/span\u003e\n\u003c\/td\u003e\n\u003ctd data-export-value=\"$2.484M EBITDA\"\u003e\n\u003cstrong class=\"fml-scenario-range\"\u003e$2.484M EBITDA\u003c\/strong\u003e\u003cspan class=\"fml-scenario-badge is-warning\"\u003eUpside case\u003c\/span\u003e\n\u003c\/td\u003e\n\u003c\/tr\u003e\n\u003ctr data-scenario-row\u003e\n\u003cth class=\"fml-scenario-row-heading\" scope=\"row\" data-export-value=\"Best fit\"\u003e\u003cspan class=\"fml-scenario-row-heading-inner\"\u003e\u003cspan class=\"fml-scenario-row-icon is-fit\" aria-hidden=\"true\"\u003e\u003cimg class=\"fml-scenario-row-icon-img\" src=\"\/cdn\/shop\/files\/scenario-best-fit.svg\" alt=\"Best fit icon\" loading=\"lazy\"\u003e\u003c\/span\u003e\u003cspan\u003e\u003cspan class=\"fml-scenario-row-title\"\u003eBest fit\u003c\/span\u003e\u003c\/span\u003e\u003c\/span\u003e\u003c\/th\u003e\n\u003ctd data-export-value=\"Use this to stress-test early cash pressure and owner pay in the first operating year.\"\u003eUse this to stress-test early cash pressure and owner pay in the first operating year.\u003c\/td\u003e\n\u003ctd data-export-value=\"Use this as the main planning case for a growing, still-controlled operation.\"\u003eUse this as the main planning case for a growing, still-controlled operation.\u003c\/td\u003e\n\u003ctd data-export-value=\"Use this to test mature throughput and what the business can earn once the model is scaled.\"\u003eUse this to test mature throughput and what the business can earn once the model is scaled.\u003c\/td\u003e\n\u003c\/tr\u003e\n\u003c\/tbody\u003e\n\u003c\/table\u003e\u003c\/div\u003e\n\u003cdiv class=\"fml-scenario-table-note\"\u003e\n\u003cspan class=\"fml-scenario-table-note-icon\" aria-hidden=\"true\"\u003e!\u003c\/span\u003e\u003cp\u003e\u003cstrong\u003ePlanning note:\u003c\/strong\u003e Scenario ranges are researched planning assumptions, not guaranteed earnings, salary promises, tax advice, or distributions.\u003c\/p\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\u003c\/section\u003e","brand":"FinancialModelsLab","offers":[{"title":"Default Title","offer_id":49303957962995,"sku":"medicare-set-aside-owner-makes","price":0.0,"currency_code":"USD","in_stock":true}],"thumbnail_url":"\/\/cdn.shopify.com\/s\/files\/1\/0522\/6191\/2762\/files\/medicare-set-aside-owner-makes.webp?v=1782686768","url":"https:\/\/financialmodelslab.com\/products\/medicare-set-aside-owner-makes","provider":"Financial Models Lab","version":"1.0","type":"link"}