Find Your Best Plan. Pay Per Report.

Each report includes a full Monte Carlo simulation (50,000 scenarios) of your healthcare costs across all eligible plans, formulary coverage scoring for your medications, provider network verification, HSA/FSA tax optimization, and multi-criteria plan rankings. You get a detailed PDF with actionable recommendations.

Our models use CMS actuarial methodology, MEPS health expenditure distributions, and real plan data from Healthcare.gov. The Monte Carlo simulation generates 50,000 cost scenarios to give you expected costs and worst-case estimates at the 95th percentile. Always verify plan details with your insurance provider before enrolling.

The best time is during open enrollment (typically November-December). Run a report for each household member to find the optimal plan mix. You can also use it when changing jobs, aging onto Medicare, or evaluating employer plan options.

No. Report credits and API credits never expire. Use them whenever you need them.

Try the free tier first to see exactly what data you get. All credit purchases are final since credits are delivered instantly. If you experience a technical issue preventing report generation, contact us for support.