You didn't pick the health insurance plans in front of you, your employer did. PlanStan analyzes your options to find the one that actually costs you the least.
Scroll. The sun's coming up
There's a legal loophole in that
open enrollment PDF HR sent you,
and it's yours.
Since 1996, insurers can't charge you differently based on your prescriptions, your specialists, or the baby you’re planning next year. So they price for the average.
You, on the other hand, can use
everything you know about you to pick
the plan that costs you the least.
Until now, there was no way to run that math.
Brokers answer to insurers.
Employers answer to the budget.
Stan answers to you.
In an industry built like a trash heap,
you don't need another salesman.
You need a raccoon.
On the enrollment grid, the cheap plan looks obvious.
It is $735 cheaper on premium — the one number the comparison sheet actually shows you, and the one most people pick on. Model an ordinary year and the real gap is $149. Now tell Stan something your insurer doesn't know.
Check what's actually true for your family:
Your health costs come out before tax, so the more tax you pay, the more they save you.
An illustrative demo. The plans, premiums and costs here are modeled examples, not quotes — your own packet will differ, which is why Stan reads yours.
Software turned tax forms into a few questions and a number. Your benefits packet gets the same treatment: drop in the documents, answer a few questions, and see what each plan actually costs you.
Drag in the plan PDFs your employer sent. Every premium, deductible, and network rule is read for you.
Expected visits, prescriptions, your tax bracket. That unlocks the pre-tax and HSA math the packet leaves out.
One number per plan, after premiums, care, and tax. The cheapest one is at the top, with the reasons underneath.
Insurers price employer group plans for thousands of workers at once, because they don't know your specific life. That asymmetry is your legal advantage.
Stan uses what you know and they don't: your expected care, modeled against 300,000+ real billing events; your tax bracket and HSA pre-tax dollars, which the benefits form never mentions; and every deductible, copay, and coinsurance limit, added up into one true cost per plan.
Insurance companies design low-premium plans with massive deductibles and high out-of-pocket maximums, counting on you to choose on sticker price alone.
Plan A costs $180 a month with a $5,000 deductible. Plan B costs $340 a month with a $1,500 deductible. Incur $4,000 of care and Plan A, the "cheap" one, ends up $1,700 more expensive. Stan calculates those trade-offs across every plan on your menu, so you don't write your insurer a $4,000 check by mistake.
Neither, and that is your biggest advantage. Brokers earn commissions when you get confused and pick expensive plans. Employer decision tools are built to protect corporate budgets, not your bank account.
Stan takes zero commissions from insurance carriers and zero funding from employers. Think of him as an independent data analyst who sifts through benefit trash strictly on your behalf.
Stan's take: "If a health insurance tool is free, you aren’t the customer. You’re the product. Stan charges a software fee, because Stan works exclusively for your wallet."
Last year's default, or the lowest premium, is how the fine print takes $4,000 from a paycheck. Run the math before the choice locks for 365 days.
Under 3 minutes · 100% confidential · We don't sell insurance
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