Drop your employer's plan PDFs in, get your true costs out →
— Your benefits packet is a $4,339 decision —
Pick the health plan that actually costs you the least.
Upload the plan PDFs your employer sent you. PlanStan models what each option really costs your household — premiums, deductibles, your meds, your doctors — and ranks them in five minutes.
Of Americans pick a plan without ever comparing total cost
There are three hidden ways the wrong plan costs you money. Stan catches all three.
No. 01
The cheapest-premium trap.
$150/mo looks like a $1,800 win over $300/mo. Then the $5,000 deductible hits and you're out $4,500. The cheapest premium is almost never the cheapest plan.
Plan A premium−$1,800
Plan A deductible hit+$5,000
Net cost of "saving"+$3,200
No. 02
The Steve-from-three-years-ago mistake.
Three years ago, Steve from accounting recommended his plan. Steve was 24 and single. You took his advice and auto-renewed ever since. Meanwhile your family grew, doctor networks shifted, and your meds changed. Steve's advice was bad three years ago — and inertia is costing you every month today. Don't take benefits advice from Steve.
Out-of-network visits+$1,200
Wrong-tier prescriptions+$840
Cost of Steve + inertia+$2,040
No. 03
The tax-blind trap.
Most people compare plans using post-tax dollars. But HSA-qualified plans let you pay for medical care with pre-tax dollars — saving you 25% to 30% in federal, state, and payroll taxes. Comparing options without modeling tax treatment means comparing apples to tax-inflated oranges.
Household medical spend$3,500
Missed HSA pre-tax savings+$1,050
Cost of ignoring taxes+$1,050
Stan was up all night doing your math.
Your personal CFO for health insurance. Stan isn't a real raccoon — but PlanStan was built by real investment bankers, CFOs, and economists. Behind him is the same actuarial modeling insurance companies use to make money. You just get the benefit of it for your home.
Try it on your own household
The same three plans. Three different answers.
Premium is the down payment. Deductible, copays, out-of-pocket max, tax treatment and your likely medical spend are the rest of the price tag. Change the household and watch the ranking change with it.
Ranked by total annual cost — lowest on top
Best fit
Plan A · “The obvious choice”
You barely touch the deductible, so the cheap premium finally wins.
$180/mo$5,000 deductible$8,000 OOP max
$2,540/yr total
Saves $860/yr
Premiums$2,160
Your expected care$380
Deductible exposureUnused
Plan C · “What you picked last year”
Last year's pick. You are paying $900 a year for coverage you never use.
$255/mo$3,200 deductible$6,200 OOP max
$3,400/yr total
Your current pick
Premiums$3,060
Your expected care$340
Cost of inertia+$860
Plan B · “Looks expensive”
Excellent plan. Wrong household. You are buying protection you will not use.
$340/mo$1,500 deductible$4,000 OOP max
$4,340/yr total
Costs $940 more
Premiums$4,080
Your expected care$260
Overpayment+$1,800
Illustrative modelling on three representative employer plans. Stan runs this against the plans your employer actually offers you.
How Stan does the math.
From upload to analysis in five minutes.
01
Upload your options.
Drop in the plan PDFs your employer sent you during open enrollment. We parse premiums, deductibles, OOP max, networks, and prescription tiers automatically.
PDF upload · takes 30 seconds
02
Tell us about your household.
Age, family size, recurring medications, and doctors you want to keep. The more Stan knows, the more accurate the model.
3 minutes · 100% confidential
03
Get your answer.
Stan runs your data against 300,000+ real billing events and gives you a clear breakdown: total out-of-pocket cost per plan and the exact option that keeps the most money in your pocket.
No. Stan's a raccoon. But PlanStan was founded by investment bankers, CFOs, economists, and builders — so while Stan isn't real, the math behind him is. He's your personal CFO for health insurance decisions.
No. 02
Can PlanStan sell me health insurance?
No. We don't sell insurance and we don't take commissions. We analyze the options your employer already offers you, model total cost and scenarios, and tell you which plan costs you the least. That's it — that's the whole product.
No. 03
Is this one of those employer benefits tools?
No. Employer tools are built for HR departments — often paid by insurance brokers to make confusing options look standard. PlanStan is built strictly for employees. We take zero commissions and zero employer sponsorship. Think the software you use to do your taxes, but for outsmarting your health plan.
No. 04
Why not just use a free tool from my broker or HR?
Because "free" tools in healthcare are almost always funded by commissions. Brokers make more money when you pick plans with higher premiums or specific network arrangements. Because PlanStan takes zero commissions from anyone, the answer you get is an unbiased calculation — not a sales pitch.
No. 05
Sounds like you don't love the current system?
Couldn't-be-much-worse bad. We're here to make it better, one household at a time, until somebody fixes the rest of it.
— Most open enrollment windows close in November —
You're going to pick a plan anyway. Pick the right one.
Same packet, same deadline, same half hour you were going to spend guessing. Spend five of those minutes with PlanStan, and you get the math instead of a hunch.
