Compare up to three plans · Entries stay on your device

Health insurance plan decision workbench

Bring the plans you are considering. Compare the same cost, access, and prescription fields, test four care-use scenarios, and keep unresolved items visible.

Updated October 22, 2026Independent educational toolNo signup or phone number

Step 1

Choose a care-use scenario

Use a preset for a quick comparison or enter your own counts. The estimate is a consistent comparison model, not a prediction of claims.

Scenario

Allowed services subject to deductible ($)

Primary-care visits

Specialist visits

Urgent care visits

Emergency room visits

Generic fills

Step 2

Enter each plan from its current documents

Leave unknown fields blank. The results will list what still needs confirmation.

Plan A

Use figures from the same plan year and source.

Plan name or ID

Plan year

Coverage source

Premium amount ($)

Paid

Medical deductible ($)

In-network OOP limit ($)

Important providers

Important prescriptions

More plan details

Plan type

Family structure

Annual premium contribution ($)

Annual HSA/HRA contribution ($)

Drug deductible ($)

Coinsurance after deductible (%)

Primary-care visit ($)

Specialist visit ($)

Urgent care ($)

Emergency room ($)

Generic prescription per fill ($)

HSA eligible

Plan B

Use figures from the same plan year and source.

Plan name or ID

Plan year

Coverage source

Premium amount ($)

Paid

Medical deductible ($)

In-network OOP limit ($)

Important providers

Important prescriptions

More plan details

Plan type

Family structure

Annual premium contribution ($)

Annual HSA/HRA contribution ($)

Drug deductible ($)

Coinsurance after deductible (%)

Primary-care visit ($)

Specialist visit ($)

Urgent care ($)

Emergency room ($)

Generic prescription per fill ($)

HSA eligible

Plan C

Use figures from the same plan year and source.

Plan name or ID

Plan year

Coverage source

Premium amount ($)

Paid

Medical deductible ($)

In-network OOP limit ($)

Important providers

Important prescriptions

More plan details

Plan type

Family structure

Annual premium contribution ($)

Annual HSA/HRA contribution ($)

Drug deductible ($)

Coinsurance after deductible (%)

Primary-care visit ($)

Specialist visit ($)

Urgent care ($)

Emergency room ($)

Generic prescription per fill ($)

HSA eligible

Step 3

Moderate use comparison

How the order changes with use

Important: The model treats entered visit amounts as fixed costs and applies the deductible and coinsurance to the allowed-services estimate. Actual plan rules can apply cost sharing differently. Verify the Summary of Benefits and Coverage, formulary, provider directory, and full plan document.

What the results can and cannot tell you

Use the model to ask better questions

Premium floor

The annual amount paid to keep coverage, adjusted only by contributions you enter.

Modeled yearly total

A consistent estimate using your scenario and the plan fields entered. It is not a quote or claim forecast.

Protection boundary

Annual premium plus the entered in-network out-of-pocket limit, less entered contributions. Non-covered and out-of-network exposure can sit outside it.

Check the plan documents

Primary sources

Use current official results and documents for every field.