Your health changed.
Your plan didn't.
You're 42, you have a mortgage, a specialist, and a kid in braces. The PPO that made sense at 30 is quietly draining you. We decode what you're actually paying for — and what you're not getting.
Three signals your plan is costing you
These aren't edge cases. They're the three patterns we see in 80% of the plans professionals bring us.
Out-of-Network Specialist Drain
"You're paying $380/month but your therapist is out-of-network. Every session costs you $180 out-of-pocket on top of your premium."
↳ Your plan's mental health network hasn't been updated since 2021. You're paying for coverage that doesn't cover who you actually see.
HDHP Mismatch After Life Change
"You switched to an HDHP at 34 because you were healthy. Now you have a kid in braces, a recurring knee issue, and a $6,500 deductible."
↳ High-deductible plans optimize for healthy years. Your utilization profile has shifted — the math no longer works in your favor.
Prescription Tier Overpayment
"Your employer's plan covers your cholesterol medication at Tier 3. The identical drug is Tier 1 on two other plans available to you."
↳ Formulary differences between plans of the same type can swing your annual drug costs by $800–$1,400. Nobody tells you to check.
Takes 3 minutes. No commitment.
Five questions. One clear picture.
No email required to see your results.
Ready to find your plan gap?
Answer 5 quick questions and we'll surface exactly where your current plan is over-charging or under-covering you.
The numbers don't hedge.
These are real outcomes from real assessments. Not projections. Not averages from a press release.
average annual savings identified per client
across all plan types
assessments completed since launch
updated in real time
of users find a plan that better matches their profile
based on follow-up surveys
BEFORE — Aetna PPO Gold
AFTER — BCBS PPO Silver + HSA
NET ANNUAL SAVINGS
$2,448 / year
Premium reduction: $1,968. HSA tax savings: $480. Same specialist network. Better mental health coverage.
We already know where your plan is leaking.
The full report names the exact plans available to you, ranks them by your actual usage pattern, and shows you the switch that makes sense — with numbers, not suggestions.
YOUR ANALYSIS INCLUDES