Solutions → Plan Navigator
Plan NavigatorHundreds of plans. One right answer for each employee.
Plan Navigator evaluates every available plan against each employee's expected care, provider relationships, financial priorities, and local network depth — surfacing the best-fit plan, not just the cheapest one.
Built for: Employers · Brokers · Insurance Carriers · TPAs · Enrollment Platforms
Everyday Silver
$612/mo premium
~$9,344/yr (incl. est. OOP)
★ Best matchThe Problem
A handful of group options becomes hundreds of individual-market plans.
As employers move to ICHRA, employees lose the short, curated list they used to choose from. Overnight, they're shopping a marketplace, and "which plan is best for me?" gets a lot harder to answer.
3–4 group plans
Curated. Familiar.
100s of plans
Overwhelming. Easy to choose wrong.
How it works
The more context, the smarter the recommendation.
Plan Navigator builds a complete member profile before making any recommendation.
Members share what they expect
In plain language: the care they anticipate, their doctors, medications, hospitals, concerns, and what they can spend.
It builds an editable care forecast
A transparent forecast of expected usage they can review and adjust before a single plan is compared.
It simulates total annual cost
That forecast runs against every plan's deductibles, copays, and coinsurance so total annual cost is comparable across plans, alongside network fit.
It explains the recommendation
Plain-language reasoning with a confidence level on each result so members can self-serve and support staff can give faster, better-grounded answers.
What members share
What's Different
Network depth varies by specialty, hospital, and location.
The biggest network isn't biggest for everything. Network depth changes by specialty, by hospital, and by where the member actually lives.
Specialty depth within 25 mi
Each row is scaled to its own deepest network; the right column names the leader.
Family Medicine
Carrier C
Internal Medicine
Carrier E
Pediatrics
Carrier D
Psychiatry
Carrier C
Orthopedics
Carrier B
Cardiology
Carrier C
Carrier labels are anonymized for illustration; the chart reflects real specialty-depth variation.
The Recommendation
Not a list of plans. A complete picture of every option, with a clear recommendation.
Plan Navigator doesn't just rank plans — it shows the full plan landscape, explains its reasoning, and actively flags when a lower-premium option carries hidden costs.
Carrier A Silver Advantage PPO
Silver · PPO · Carrier A
Monthly premium
$350
Annual premium
$4,200
Est. OOP
$1,840
Total annual
$6,040
Estimated out-of-pocket breakdown
Network fit
Strong fitCarrier B Bronze Essential
Bronze · HMO · Carrier B
Monthly premium
$271
Annual premium
$3,252
Est. OOP
$3,100
Total annual
$6,352
Estimated out-of-pocket breakdown
Network fit
Poor fitThis plan costs $948 less in annual premium than the top recommendation, but carries $1,260 more in estimated out-of-pocket costs given your health profile, and poorer network fit for your expected care. Total annual cost is $312 higher than the top recommendation.
Carrier and plan names are anonymized for illustration.
Why It Matters To You
Better employee decisions make ICHRA transitions stick.
01
Makes hundreds of choices feel like one clear decision
Plan Navigator distills every available plan into a personalized recommendation, with individual guidance that goes far deeper than any marketplace comparison tool.
02
Catches the network trap before it costs them
Cheaper plans often carry narrower networks, a tradeoff most members never see until they need care. Plan Navigator measures network depth and surfaces it as part of every recommendation.
03
Turns ICHRA from a transition into a long-term strategy
Employees who choose the right plan stay satisfied. Poor plan selection in year one creates noise that undermines the whole model. Plan Navigator makes the first year work and every year after easier.
How It Fits Your Workflow
Flexible enough to work the way you do.
Deploy directly to employees
Ideal for brokers and employers who want to offer guided plan selection as part of their ICHRA rollout without a full platform integration.
Integrate into your existing platform
For enrollment platforms, carriers, and TPAs, embed Plan Navigator's decision engine directly into your existing enrollment experience.
Your brand, our intelligence
Deploy Plan Navigator under your own brand — giving clients a premium guided experience without building the engine yourself.
Run it alongside your clients
Walk employees through Plan Navigator together during enrollment sessions — turning a complex individual decision into a guided, confident conversation.
Paired with
ICHRA ModelICHRA Model helps employers decide. Plan Navigator guides employees through what comes next.
ICHRA Model helps brokers answer whether an employer should make the switch. Plan Navigator picks up where that conversation ends — giving every employee the personalized guidance they need to choose the right plan.
See Plan Navigator in action.
Watch how Plan Navigator turns an overwhelming individual market into a clear, confident decision for every employee.
Interested in embedding Plan Navigator into your platform? Let's talk about API access and white-label options.