Compare your employer health plans during open enrollment

Paste your plan summaries into free AI and get a side-by-side comparison of what each plan would really cost your family next year.

The problem

Most employers hold benefits open enrollment in the fall, and the choice between a PPO, an HDHP with an HSA and other plans can swing a family's costs by thousands of dollars. The plan documents are long and confusing, so most people just keep last year's plan.

Step by step

1. 1Download the Summary of Benefits and Coverage (SBC) for each plan and the premium chart from your employer's benefits site.
2. 2Write down how your family used care this year: doctor visits, specialists, prescriptions, any planned surgery or baby, and your doctors' names so you can check networks.
3. 3Paste the plan details (premiums, deductibles, out-of-pocket max, copays, HSA contribution) and your usage into the prompt below. Leave out your name, member IDs and employee ID.
4. 4Check the comparison against the plan documents, confirm your doctors and prescriptions are covered on each plan's network and drug list, and call HR or the insurer with anything unclear.
5. 5Pick your plan and finish enrollment on your employer's site before the deadline, then save the confirmation.

Copy-paste prompt

Help me compare my employer health plans for next year. Plans (premium per paycheck, deductible, out-of-pocket max, copays/coinsurance, employer HSA contribution): [paste for each plan]. Who's covered: [e.g., me, spouse, 2 kids]. Expected care next year: [visits, specialists, prescriptions, planned procedures]. Pay periods per year: [number]. Build: (1) a table of total yearly cost for each plan in a low-use, expected-use and bad-year scenario (premiums plus expected out-of-pocket, minus any employer HSA money); (2) plain-English pros and cons of each plan for my family; (3) questions I should ask HR or the insurer; (4) a list of numbers I should double-check, marked [VERIFY]. Don't recommend a plan as fact; show the tradeoffs.

Tips and watch-outs

• Leave out names, member IDs and employee IDs; plan numbers like deductibles are all the AI needs.
• Confirm your doctors, hospitals and prescriptions on each plan's own network and drug list; AI can't check that for you.
• Your plan documents and HR have the final word; AI math is an estimate, so check the totals yourself.

Review AI output before using it. Don’t paste confidential, customer or patient data into tools your company hasn’t approved.