Benefits Decoder: Health Plan

Your employer hands you a benefits guide and a deadline. Benefits Decoder turns them into an answer: which health plan costs you least, with the math to prove it. Upload your benefits guide, answer a few questions about how you actually use care, and get a report that names the winning plan for your situation: premiums, deductibles, copays, employer HSA money, all of it priced across low, medium, and heavy use. No account. No email. Your PDF is opened right on your device: only the plan text is sent to generate your report, and it is never tied to who you are. QUESTIONS THIS ANSWERS - Which of my plans is genuinely cheapest for how I use care? - Is the high-deductible plan with the HSA actually the better deal? - Where do two plans cross over: at what point does one overtake the other? - What does a year on each plan really cost, not just per paycheck? - Is my spouse's plan better than mine? FREE TOOLS, NO PURCHASE NEEDED - Plan crossover calculator: see exactly where two plans trade places - COBRA cost calculator - 401(k) match checker - HSA vs FSA, urgent care vs ER, and other plain-English guides - A complete sample report, so you can see the deliverable before paying WHAT IT COSTS The tools and guides above are free. Decoding your own benefits guide is a one-time purchase: the price is shown before you upload anything. One unlock covers your whole household's guides for this enrollment season. WHO THIS IS FOR Anyone picking between employer health plans: open enrollment, a new job, a qualifying life event, or a spouse's plan comparison. Built for United States employer benefits. Benefits Decoder does the arithmetic your HR presentation skips. It is not insurance advice: it is your own numbers, organized so the decision is obvious.