Stop Overpaying for Health Insurance
Our optimizer finds the plan that actually costs you least -- premiums, deductibles, copays, drug costs, and HSA tax benefits combined. Monte Carlo simulation across 10,000 scenarios. Powered by CMS and MEPS data.
Free to start. No signup required. Data from CMS, AHRQ MEPS, FDA NDC.
Actuarial-Grade Analysis, Accessible to Everyone
The same cost modeling methods used by insurers and benefits consultants -- applied to your specific health profile, medications, and providers.
Monte Carlo Simulation
10,000 health spending scenarios via Latin Hypercube Sampling, each run through your plan's deductible, coinsurance, and OOP max structure.
Formulary Matching
Match your medications against every plan's formulary. See tier placement, copay differences, and prior auth requirements across all options.
Provider Network Check
Verify your doctors are in-network for each plan. Out-of-network providers can cost 2-5x more -- we flag the risk before you enroll.
HSA Tax Optimization
Model the triple tax advantage of HSA-eligible HDHPs against your income and filing status. Sometimes the high-deductible plan wins.
Expected Cost Model
Integrates your out-of-pocket cost function over MEPS health expenditure distributions using Gauss-Hermite quadrature. Not a guess -- a calculation.
Multi-Criteria Ranking
Plans ranked by weighted score: expected cost, worst-case cost (P95), formulary coverage, and provider network match. Weights adapt to your risk tolerance.
How It Works
Enter Your Health Profile
Age, ZIP code, medications, preferred doctors, health conditions, and income. Takes about 3 minutes.
We Analyze Every Plan
Monte Carlo simulation, formulary matching, network verification, HSA optimization, and multi-criteria ranking -- all automated.
See Your Best Options
Plans ranked by your true total cost. Expected cost, worst-case cost, drug coverage scores, and provider network match -- all in one view.
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Ready to Find Your Best Plan?
Enter your health profile and get a complete cost analysis in minutes. Monte Carlo confidence intervals, formulary matching, provider network verification, and HSA optimization -- all in one report.
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