Answer a few quick questions about how you expect to use care, and we'll estimate your total cost under all four 2026 plans — premiums, out-of-pocket, employer HSA, and tax savings.
Runs entirely in your browser — nothing is saved or sent.
First, the basics
Who are you covering?
Your style
What matters more to you?
There's no wrong answer — it just helps us frame the trade-offs when we show you the math.
No crystal ball required — just a rough guess. An active lifestyle can mean the odd weekend urgent-care visit or occasional ER trip, and estimating it helps us get your numbers right.
Urgent-care visits
Walk-in clinic for minor, urgent issues
Emergency-room visits
Hospital ER for serious emergencies
Prescriptions
How about medications?
We just need the meds you take regularly, in two buckets. Not sure whether something's generic or brand? Your pharmacy label says.
Short-term — a few times a year
Short-term prescriptions
One-off fills like an antibiotic (Z-Pack) or an infection. How many courses in a typical year? Most are generic, so we count each as a single copay.
Ongoing — taken every month
Ongoing generic medications
Maintenance meds you refill monthly — we'll do the 12-fills-a-year math. Just count how many different generics.
Ongoing brand-name medications
Same idea, higher-cost name-brand drugs. Count how many different brand meds.
Specialty medications $0
Covered via Specialty Advocacy — $0 to you, handled outside the plan
The year ahead
Any significant upcoming healthcare events that you're aware of?
Almost there
Roughly, what's your annual household income?
We use this only to estimate your potential tax savings from paying for care with pre-tax dollars. Nothing is saved.
Last one
What kind of plan are you on today?
Totally optional. Many people prefer to keep the type they already have — if you're on an HSA, we'll put those options first.
Your personalized estimate
Your best match is —
All four plans, ranked by your estimated total cost — lowest first. Follow the math down each card.
Preventive care & specialty medications are $0. Total = premium ＋ your expected out-of-pocket − tax-free employer HSA contribution, capped at each plan's out-of-pocket max. Premiums are the monthly amounts straight from payroll; your per-paycheck deduction depends on how many pay periods you have. Estimate only — not a quote.
Total = premium + expected out-of-pocket − tax-free employer HSA contribution. Premiums are the monthly employee contributions straight from payroll and are shown per month; your actual per-paycheck deduction depends on your number of pay periods. Household income maps to an approximate marginal tax bracket, used only for the separate "smart move" pre-tax savings note — it is not baked into the ranking. Your stated preference and current plan type frame the recommendation but don't change the dollar math. Estimate only — not a quote.
Plan Cost Estimator
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