Free · No Email · 4 Minutes
Find the plan that's actually right for you.
Answer a few plain-English questions about your plan options and we'll run the math. No jargon, no sales pitch, just a clear recommendation you can act on.
- Compare up to 3 plan options side by side
- See a real breakeven number in dollars
- Understand the one risk that could change the answer
- Leave with a single clear action
◆ Nothing you enter leaves your device.
Step One · Setup
How many plans are offered, and who's covered?
Start with the basics. Everything else builds from here.
Plans your employer offers
Who will this plan cover?
Step Two · Plan Details
Enter what you see in your benefits guide.
Pick each plan's type, then fill in the numbers. We use standard industry averages for prescription drugs so you don't have to enter every tier.
Step Three · You
How do you use healthcare, and what matters to you?
Pick the year that sounds most like yours, then tell us a bit about your preferences.
What does a normal year look like for you?
◆ Your Year, In Your Numbers
Tell us what you actually expect.
Use the + and − buttons, or type a number. Blank means zero.
Doctor Visits
Primary care visits
Annual physical, checkups, common illness
Specialist visits
Cardiologist, dermatologist, orthopedic
Urgent care visits
Weekend minor injuries, sick visits
Prescriptions · Per Year (fills)
Generic (regular)
Most common · cheapest tier · lisinopril, metformin
Brand-name (preferred)
Brand drugs your plan prefers · Eliquis, Januvia
Specialty
High-cost biologics · Humira, MS drugs, cancer meds
Major Events
ER visits
Hospital emergency room, not urgent care
Surgeries or major procedures
Planned surgery, childbirth, MRI, scope
What matters more to you day-to-day?
If a surprise $2,000 medical bill hit you tomorrow?
Your Answer
Here's what the math says.
◆ Your Best Fit
One honest caveat. These estimates use your inputs and standard industry averages for prescription drugs and service costs. Your actual bills will depend on your specific providers, medications, and claims. This tool doesn't replace reading your plan documents (the SBCs) or talking to your HR team before enrolling.