Early feedback beta. Just trying it out? Use a sample Summary of Benefits — please don't upload a real member's document yet. Your feedback is what we're after.

Plan-to-OOP

Know what your care will actually cost, before you go.

Pick your marketplace plan by name, or drop in your benefits summary. Add the care you expect this year and see your real out-of-pocket across every plan you're weighing. No carrier login. Any insurer.

Estimate my costs

Free. Estimates, not guarantees. Your document is never stored. New to this? Download a sample SBC to try the upload.

Estimate only. Not a guarantee of coverage or payment. This tool applies the cost-sharing rules you confirm to the prices you enter. Always verify with your plan and provider. Your document is read once to pull the numbers and is never stored.

Build your comparison

Add the plans you're weighing, tell us the care you expect, and see what each would cost you.

Care you expect this year

Prices auto-fill with a reference estimate for your state — edit any of them if you have a real quote (Good Faith Estimate, hospital estimate). We apply each plan's rules to the same list, so the savings gap between plans is reliable even when a price is rough.

ServiceEst. price ($)# times

How it works

1
Add your plan

Pick your marketplace plan by name, drop in your benefits summary (SBC), or type the numbers. No carrier login.

2
Add the care you expect

Choose a common scenario (having a baby, managing diabetes, a fracture) or list the services yourself. Prices auto-fill.

3
See what you'd pay

Get your projected out-of-pocket across every plan, ranked, with the savings gap between them.

Why it's different

For brokers & benefits advisors

The free tool above is great for one comparison. The broker version is built to run your whole book: