Open enrollment, side by side
The cheapest plan in a good year is not always the cheapest plan.
Put your plans on cards and enter your usual year of care. Each plan is priced three ways - a quiet year, your usual year, and a rough year with a hospital stay - free, in your browser. Then ask for a read: which to pick, and what to check before you click enroll.
1 Your usual year
Everyone on the plan, together. Count a normal year for you - the page adds the quiet and rough years itself.
After a colon, list the plans you have already confirmed it for (P1, P2...).
2 The plans
Where the lines cross
What each plan costs you for the year as the bills pile up past your usual year. Lower is better; the flat part is the out-of-pocket maximum doing its job.
Break-even points
Flags on the page
3 Get a read
The read is metered: it looks at the plans and the three years as they are now, says which plan to pick (or what to check first), how each plan would feel to live with, and gives a before-you-enroll checklist.