Open Enrollment Optimizer

Choose the right health plan and save thousands. Compare plans side-by-side with transparent math you can trust.

Transparent Calculations
HSA Tax Savings Included
Best/Worst Case Scenarios

Your Plan Options

Add the health insurance plans you want to compare. You can enter plans manually or start from common plan templates.

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Plan Type Guide

Not sure which plan type is right for you? Here's a quick comparison.

HDHP

Healthy individuals, high earners wanting HSA

Pros:
  • Lowest premiums
  • HSA eligible (tax advantages)
  • Works well if rarely see doctors
Cons:
  • High upfront costs if you need care
  • Requires cash reserves for deductible

$250/mo premium, $3,000 deductible, $7,000 OOP max

PPO

Families, those wanting flexibility

Pros:
  • No referrals needed
  • Out-of-network coverage
  • Wide provider choice
Cons:
  • Higher premiums
  • Out-of-network costs still significant

$500/mo premium, $1,500 deductible, $5,000 OOP max

HMO

Budget-conscious, those comfortable with one health system

Pros:
  • Lower premiums than PPO
  • Predictable copays
  • Coordinated care
Cons:
  • Requires referrals
  • No out-of-network coverage
  • Less provider choice

$400/mo premium, $1,500 deductible, $4,500 OOP max

EPO

Those wanting PPO flexibility without referrals, in-network only

Pros:
  • No referrals needed
  • Lower than PPO premiums
Cons:
  • No out-of-network coverage
  • Smaller networks

$375/mo premium, $1,750 deductible, $5,500 OOP max

Frequently Asked Questions

Open Enrollment Deadlines

  • Employer Plans: Typically late October - mid November
  • Medicare: October 15 - December 7
  • ACA Marketplace: November 1 - January 15

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