Discover how efficiently you used your insurance last year. Compare premiums paid vs care received, and find out if you're overpaying.
Upload your EOB/SBC documents or enter data manually
Our engine analyzes your premiums vs care received
Receive personalized recommendations to optimize coverage
<40% utilization — You're likely overpaying. Consider lower-cost options.
40-70% utilization — You're using your plan efficiently. Keep it up!
>70% utilization — Great value! Your insurance is protecting you well.
Not ready to upload your documents? See how it works with a realistic example of a medium utilizer with an HDHP plan.
🔒 Your Privacy Matters: All calculations happen in your browser. Your health and financial data is never stored on our servers.