Solutions → Plan Navigator
Plan NavigatorHundreds of plans. One right answer for each employee.
Plan Navigator's proprietary scoring engine evaluates every available plan against each employee's health profile, provider relationships, and financial situation — surfacing the right 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
The individual market has too many choices. Most employees make the wrong one.
Employees accustomed to choosing from two or three group plans are suddenly faced with dozens — sometimes hundreds — of individual market options. Without guidance, they default to the lowest premium. That's rarely the right decision — and it's almost always the most expensive one in the long run.
Without Plan Navigator
- Employees choose the lowest premium — often the wrong plan for their needs
- Out-of-network surprises surface only when they need care
- Medications not covered, preferred doctors out of network
- HR teams fielding questions they can't answer
With Plan Navigator
- Every employee gets a personalized recommendation with full cost transparency
- Network size measured before any plan is recommended
- Medications and health needs matched to coverage
- Employees make better decisions and stay satisfied
Network size
The variable most employees never see — and most tools never measure.
Cheaper plans often carry narrower networks. An employee choosing on premium alone may be selecting a plan where their doctors aren't covered, their hospital is out-of-network, and their access to specialists is severely limited. Plan Navigator measures network size as a proprietary metric and weighs it alongside cost in every recommendation.
What Employees Input
The more context, the smarter the recommendation.
Plan Navigator builds a complete individual profile before making any recommendation.
Demographics
Age, gender, household size, and estimated annual income — the foundation for subsidy eligibility and plan filtering.
Doctors & hospitals
Preferred physicians, specialists, and hospital systems the employee wants to keep — checked against every plan's network before any recommendation is made.
Medications
Current prescriptions matched against each plan's formulary — including tier placement and estimated annual drug cost.
Health conditions
Existing diagnoses and ongoing care needs that determine how much coverage an employee truly requires — and how we model their likely utilization.
Anticipated health needs
Expected procedures, planned pregnancies, or specialist visits in the coming year — factored into projected out-of-pocket costs at the plan level.
Financial priorities
Preference for lower monthly premium vs. lower out-of-pocket risk — weighted into the scoring algorithm alongside clinical needs.
What They Get Back
Not a list of plans. A complete picture of every option and a clear recommendation.
Plan Navigator doesn't just rank plans — it shows the full landscape, explains its reasoning, and actively flags when a lower-premium option carries hidden costs.
Most employees never see this picture. Notice how the lowest-premium plans cluster at limited network ratings.
BlueCross Silver Advantage PPO
Silver · PPO · BlueCross BlueShield
Monthly premium
$350
Annual premium
$4,200
Est. OOP
$1,840
Total annual
$6,040
Estimated out-of-pocket breakdown
Network rating
StrongAmbetter Bronze Essential
Bronze · HMO · Ambetter
Monthly premium
$271
Annual premium
$3,252
Est. OOP
$3,100
Total annual
$6,352
Estimated out-of-pocket breakdown
Network rating
LimitedThis 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 a network less than half the size. Total annual cost is $312 higher than the top recommendation.
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 employees never see until they need care. Plan Navigator measures network size as a proprietary metric 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 it 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 Model
ICHRA Model helps employers decide. Plan Navigator guides employees through what's next.
ICHRA Model helps brokers answer whether an employer should make the switch. Plan Navigator picks up where that conversation ends — giving every individual 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.