Skip the spreadsheet

Health insurance plans are intentionally confusing. This tool makes it clear.

Input your plan and health needs for your family, and get a clear answer for which plan to pick — with the math to explain why — in minutes.

Get started — $39 →See a sample report →

Can compare plans from every major U.S. carrier

UnitedHealthcareAetnaCignaHumanaKaiser Permanente

How it works

Three steps. Most people finish in under 30 seconds.

We pre-fill the form with the most-likely answers. If you're a healthy adult household, you can probably just upload your plans and click Analyze.

01

Upload your plans

Broker comparison PDFs, plan-finder exports from kynect or healthcare.gov, or pasted text. Two to ten plans in one shot.

02

Tell us about your family

The form is pre-filled with median answers — adults, kids, typical year. Edit only what doesn't match. The risk-tolerance slider weights the recommendation.

03

Read the recommendation

Full report with cost matrix, best/mid/worst-case projections, and a 👑 TL;DR at the top. Chat to ask follow-ups or have the report rewritten.

Pricing

$39 per person. Bulk rates for teams.

We run the analysis on our best Claude model and handle everything — no API key, no setup. You just upload your plans and read the answer.

Most popular
Personal
$39one-time

No subscription — pay once, per person.

  • ✓Everything for this year's enrollment decision
  • ✓Up to 5 full analyses — re-run as your plans or situation change
  • ✓10 follow-up messages each — ask questions or have the report rewritten
  • ✓Runs on our best model — no API key, no setup
  • ✓Full depth: cost matrix, best/mid/worst projections, 👑 recommendation
  • ✓Your PDFs are never stored

Secure checkout via Stripe.

Teams & Advisors
Volume pricing

For brokers, HR teams & financial advisors running this for clients.

  • ✓Bulk analyses at a per-report discount
  • ✓Run it for as many clients or employees as you need
  • ✓One simple invoice — no per-seat key juggling
  • ✓Same full-depth reports and follow-ups
  • ✓A direct line for support during open enrollment
Contact for volume →

joseph@rez0.com

For perspective: the wrong plan can cost you thousands over the year, and a benefits advisor runs $150–250/hour. This is $39, once.

Get started

Unlock with your password. Put in your plan options. Click Analyze.

Two-minute setup. Your key never leaves your browser; your form data only goes to Anthropic to generate the report.

Access password

No API key needed — the analysis runs on our key. Enter the access password from your purchase to unlock it. It's stored only in this browser.

Input your plan details.

Pre-filled with typical answers. If you're a healthy adult household, you can probably just upload your plans and click Analyze. If your situation is different (kids, chronic conditions, specific upcoming procedures), edit the relevant fields below.

Upload the PDF you got from your broker, or paste plan details directly. Both work — combine them if you have one of each. Common sources: a single broker comparison PDF, an Anthem/Aetna/BCBS plan-finder export, or text copied from kynect/healthcare.gov. You can include 2-10 plans in one input.

Counts only — ages help us estimate kid sick-visit rates and pediatric vs adult coverage rules.

Just rough names + how often — Claude will figure out tier classifications. Examples: generic SSRI daily, Adderall daily, asthma inhaler as needed, insulin daily, none.

What does your family deal with that drives healthcare spending? Be specific about therapy types and frequency. Examples: 4-year-old with developmental delay, weekly speech + OT; spouse has anxiety, monthly counseling; parent with diabetes type 2, quarterly endocrinologist.

Anything scheduled or likely this coverage period — surgeries, MRIs, orthodontia, planned pregnancies, etc. Examples: MRI for daughter in fall; likely 1 filling, 1 deep dental cleaning; habit appliance for 9-year-old's thumb sucking; annual physical for everyone.

In your own words. We use this as a 4th scenario alongside best/mid/worst — it tells us how much you actually use healthcare. Examples: The kids each get sick 3-4 times a year, one usually does an ER trip for an ear infection or fall. We adults are healthy. Maybe 2 specialist visits between us. Therapy is consistent weekly.

How much "what if it gets expensive" do you want to plan for? Lower = pay more in premium for predictable bills (good if you'll definitely use healthcare a lot, or you really hate financial surprises). Higher = pay less in premium and accept that a really bad year could cost you a lot more out of pocket (good if you're betting on a healthy year).

0 — Predictable bills, cap my downside5/1010 — Lowest premium, accept volatility
Balanced view — premium and worst-case both matter. We'll show plans across the spectrum and note tradeoffs.

If you're starting mid-year (e.g., COBRA → marketplace), enter how many months you'll be on this plan in the calendar year. Marginal tax rate matters because premiums are deductible if you're self-employed.

Your form data lives in this browser tab. The analysis is generated by Claude using your key.

Health Plan Analyzer is an AI-generated estimate, not legal or financial advice. Verify any final decision with your broker and the actual plan documents.

PrivacyTermsContact

FAQ

Questions, answered.

Does this work for health insurance outside the U.S.?+

No — Health Plan Analyzer is built specifically for the U.S. health-insurance system. It models U.S. cost mechanics (deductibles, out-of-pocket maximums, coinsurance, copays, and HSA/FSA tax rules), which don't map onto how coverage and costs work in most other countries. If you're outside the U.S., the math won't reliably reflect your situation.

Is my data private?+

Your plan documents and the details you enter are sent to Anthropic's API to generate the report, and are not stored on our servers. We don't sell or share your information.

How accurate is it? Is this financial advice?+

It's an AI-generated estimate to speed up a confusing decision — not financial, medical, or legal advice. Always confirm your final choice against the actual plan documents and, if you have one, your broker or benefits team.

How many plans can I compare at once?+

Up to 4 at a time for the most accurate results. If you have more, run separate analyses on subsets and then a final analysis comparing the best pick from each — that's exactly why each purchase includes 5 analyses.

What does it cost?+

$39 one-time per person (a pack of 5 analyses, no subscription). Brokers, HR teams, and financial advisors can get volume pricing — contact us.

What's the access password I get after paying?+

After checkout you receive an access password — it's how you run and edit your analyses. Write it down somewhere safe: we store it hashed and can't recover or resend it.

What can I upload?+

Broker comparison PDFs, plan-finder exports (kynect, healthcare.gov, etc.), or pasted plan text — 2 to 4 plans per analysis.

Can I ask follow-up questions?+

Yes — after the report, you can chat with it to ask questions or request edits to the report.