Built for the September scramble

Comparing health insurance plans is awful. That's why I built this site.

Input your plan details. Tell us about your family. Get a real cost analysis — with a clear answer for which plan to pick — in a few minutes instead of a few weekends.

Get started →See a sample report →

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, paste your API key, 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.

What it costs

Pennies. You pay Anthropic directly.

You bring your own Anthropic API key, so you pay Anthropic directly only for the tokens your analysis uses. We don't mark up, hold a balance, or proxy your traffic through our analytics. These are real measured costs from actual test runs against Claude Sonnet 4.6.

Typical analysis
~$0.30
Pasted text or 1–3 PDF plans, mid-detail report. The most common case.
Heavier analysis
$0.40–0.55
8-plan PDF comparison, full family profile, long-form report with deep methodology.
Each follow-up Q
$0.02–0.05
Cheap thanks to prompt caching — the system prompt and your report stay in cache.

For perspective: less than a coffee for an analysis on a $20K+/year decision. The pricing is Anthropic's, not ours — see Anthropic's pricing page for the live numbers.

Get started

Paste your key. Input your plan details. Click Analyze.

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

Your Anthropic API key

Get one →

Stored only in your browser's local storage on this device — never logged, never proxied through our analytics, never sent anywhere except directly to Anthropic. Wipe it anytime with Forget key in the top nav.

Analysis model

you pay Anthropic directly

Haiku is the cheapest and fastest. Sonnet is the balanced default — great for almost everyone. Opus reasons more deeply on tricky multi-plan or edge-case situations, but costs more and runs slower.

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.

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.