Plan Explorer

Compare your plans — upload benefit documents and answer a few questions. AI suggests which general plan types to compare. Educational suggestions only.

1 Upload 2 Household 3 Usage 4 Preferences 5 Results

Step 1 — Optional: upload benefit documents

Upload SBCs, open enrollment guides, or plan comparison spreadsheets. Supported: PDF, Word (.docx), Excel (.xlsx / .xls). Not required — you can skip to questions.

Drop files here or click to browse

Text-based PDFs work best. Scanned/image-only PDFs may extract little text.

I understand extracted text and my answers may be sent to an AI service for educational plan-type suggestions. I will verify all results with my employer before enrolling.

Step 2 — Household

Who needs coverage on your medical plan? Just me Me + 1 dependent Me + 2 or more dependents

Step 3 — Expected healthcare use

Expected doctor visits next year (primary + specialist)

Prescription medications

Planned surgery, pregnancy, or major procedure next year? No Yes, or possible

Must keep specific doctors or hospitals? No strong preference Yes — specific providers

Step 4 — Preferences

What matters most to you?

Interest in Health Savings Account (HSA)?

Budget focus

Required acknowledgment — read before viewing results

This tool provides educational suggestions only — not insurance, medical, or financial advice.
You are solely responsible for your benefits election and any financial outcome.
Benefits Unlocked does not enroll you and does not make elections on your behalf. Enroll only through your employer's official benefits portal.
Output compares generic plan types (HDHP, PPO, HMO) — not your employer's actual plan names or costs unless found in your documents.
Your employer's plan documents (SPD, SBC, summary) always prevail over anything shown here.

I understand this is educational only. I will verify all information with HR and official plan materials before enrolling.

Your educational snapshot

Reminder This is a starting point for your own research — not a recommendation to choose any specific plan. Use the Health Plan Comparison worksheet with your employer's actual plan details, then enroll through your employer portal.