NewFree during open enrollment

Choose the right health plan, every time.

Upload your plan options, tell us how you use care, and get one clear answer — not a spreadsheet to figure out yourself. No login, no employer involved.

YOUR COST BREAKDOWNfrom your documents
BEST FOR YOU
PPO Plan
$180/mo · $1,500 deductible
$4,160
est. annual cost
$1,240 less than your other option, based on how you use care
0%
re-elect the same plan every year, even after major life changes
$0
average yearly overspend from picking the wrong plan
0%
ever switch to the better option, even when the numbers are clear
HOW IT WORKS

Three steps. No login required.

Step 1
Upload your plan options
Drop in the PDF, or just a photo of the benefits grid your employer handed you.
Step 2
Answer a few questions
How you use care, your prescriptions, whether you’re expecting any big expenses this year.
Step 3
See your cost breakdown
A real, personalized estimate for each plan — with the math shown, not hidden.
EXTRACTED FROM: PPO_Summary_2027.pdf
Monthly premium$180.00
Deductible (individual)$1,500
Out-of-pocket max$4,500
Specialist copay$45
✓ Looks right? You can edit any field.
THE RECEIPTS

Every number traces back to your actual plan.

Not a guess, not generic AI advice. We read the plan documents you upload, show you exactly what we extracted, and let you correct anything before it's used.

UNLIMITED PLAN MENUS

The only tool that sees your whole household.

If you and your partner both have coverage options at work, no employer's benefits tool can compare across them — each one only sees its own plan menu. Choosly isn't tied to either employer, so it can price every arrangement.

YOUR BEST HOUSEHOLD SETUP
You + kids on your PPO; Sam solo on their HDHP ★
est. household total$8,410/yr
Everyone on your PPO$9,750/yr
Everyone on Sam's HDHP$10,020/yr
✓ Includes the working-spouse surcharge — shown, never hidden.
BEYOND THE EMPLOYER MENU

Options don't all come as PDFs from HR.

Choosly can quote plans straight from the federal marketplace and run them through the exact same engine — same scenarios, same shown math, same privacy. No documents needed on that path: pick your area and household, and the plans come to us.

Nobody pays us commissions on any plan, so nothing here is steering you — the ranking is the math, and you can check it.

Just enter your ZIP code — we'll automatically pull in every plan available in your state, no documents to find or upload.

MORE WAYS TO USE CHOOSLY
Shopping for your own plan?
We quote real HealthCare.gov plans for your area — including what you'd pay after income-based subsidies — and rank them by your year of care, not just the premium.
Employer gives you money instead of plans?
Enter your ICHRA allowance and see what it really buys on the marketplace — including the IRS affordability check most employees never see.
Wondering if the marketplace beats work?
Put marketplace plans next to your employer menu, with the subsidy eligibility rules applied honestly — including when an affordable work offer switches subsidies off.
✓ Same six questions, same engine, wherever the plans come from.
FAQ

Questions people actually ask.

How is this different from asking AI?
AI doesn't know your plan. Choosly reads your actual documents and shows its math — every number traces back to your plan, not a generic answer.
Why is this free? What's the catch?+
Can I trust a tool my employer didn't vet?+
What if my document doesn't extract cleanly?+

Open enrollment won't wait. Neither should you.

Free, no login, no employer sign-off. Just your plan options and five minutes.

Try it today
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