About Pelandri
Health insurance optimization, democratized
Pelandri uses CMS plan data, AHRQ health expenditure distributions, and actuarial modeling to help you find the health insurance plan that actually minimizes your total annual healthcare cost -- premiums, deductibles, copays, drug costs, and all.
The Problem
Every year during open enrollment, millions of Americans choose a health insurance plan based on monthly premiums alone. But premiums are only part of the cost. Deductibles, copays, coinsurance, drug formulary tiers, and provider networks all contribute to your true annual healthcare spend. A plan with a low premium can cost thousands more if your medications are on a high formulary tier or your doctor is out-of-network.
Our Approach
We ingest plan data from the CMS Plan Finder API, health expenditure distributions from AHRQ's Medical Expenditure Panel Survey (MEPS), and drug data from the FDA NDC Directory. For each plan available in your area, we run a Monte Carlo simulation of 10,000 health expenditure scenarios calibrated to your age, conditions, and medications. The result is a complete cost distribution -- expected cost, worst-case cost, and everything in between -- so you can choose the plan that matches both your budget and your risk tolerance.
Our Values
Data Integrity
We use only authoritative CMS and AHRQ data sources. Every cost estimate can be traced back to published federal datasets -- no proprietary black boxes.
Accessible Intelligence
Health plan comparison data has been locked behind insurance brokers and opaque tools. We make the math accessible to every consumer.
Honest Assessment
We do not sugarcoat plan costs. Our Monte Carlo simulations show expected costs and worst-case scenarios so you can plan for both.
Developer-First
Every feature available to consumers is also available through our REST API. Build plan optimization into your own applications.
Part of Smart Technology Investments
Pelandri is a product of Smart Technology Investments LLC, a research-driven company building decision intelligence tools that help consumers make better financial decisions using data that was always available but never accessible.
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