Productivity
Compare benefit plans
What each plan actually costs a person, given how they use care.
Fill it in
Premiums, deductibles, out-of-pocket maximums and what is covered.
Healthy year, one surgery, a chronic condition.
So people can enter their own situation.
Your prompt
Compare these plans. [the plans] Model actual USAGE scenarios rather than comparing premiums. The plan with the lowest premium is the most expensive one for anybody who uses care, and the comparison table everybody gets does not show that. Compute total annual cost per scenario: premium plus deductible plus coinsurance up to the out-of-pocket maximum, and include the employer contribution to a savings account where there is one, because that is real money most people ignore. Name the crossover: at what level of care each plan becomes the cheapest. That sentence is the whole decision. Build a calculator so someone can enter their own expected care. Flag the non-cost differences: network, referrals, and whether their doctor is in.
Use Compare benefit plansOpens with everything above already filled in.
Why this works
The plan with the lowest premium is the most expensive one for anybody who uses care, and the comparison table everybody receives does not show that. This models real usage scenarios and names the crossover point, which is the actual decision.