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A lower premium can mean a higher bill when you use the plan. Family Health Plan Compare replays your entered care events across the plans you are considering.
Follow individual and family deductibles, copays, coinsurance and out-of-pocket limits. Compare ordinary and expensive scenarios, see monthly cash needs and keep HSA assets separate from healthcare spending. Missing prices and unclear benefits remain visible instead of becoming invented estimates.
Each person is assigned to one plan per coverage option, so you can also compare splitting the family between two employers' plans. Three totals stay apart: the cost of insurance and care, the household's cash outflow, and the economic result after employer HSA money, HRA reimbursements and the tax effects you confirm.
What you get
- Family members by alias — no full names or birth dates.
- Plan versions per plan year: premiums per deduction and tier, deductibles, out-of-pocket limits, drug and out-of-network terms.
- Service rules in six explicit cost-sharing orders, with visit and payment limits.
- Usage sets: last year repeated, low use, an expensive year and your own scenario.
- Embedded and aggregate family deductibles, NONE versus unknown limits, benefit-year resets and carry-over.
- HSA, FSA and HRA ledgers by date; employer HSA money shown separately.
- Family split search across the plans each person may join.
- Monthly cash need, unknown-conditions queue and ‘How calculated’ for every result.
- Printable comparison and event breakdown, CSV exports and full backups.
How it works
- Add the family. Enter an alias and a role for each person and tick the plans each one may join.
- Enter the plans. Copy premiums, deductibles, out-of-pocket limits and account money from each plan's Summary of Benefits, plus one service rule per type of care.
- Enter care events. Visits, tests and prescriptions with dates and allowed amounts, in one or more usage sets — last year, a low-use year, an expensive year.
- Set up coverage options. Who is in which plan at which premium tier, with your HSA, FSA and confirmed tax rates.
- Compare. See every option on every usage set, why the lowest option changes, the monthly cash need and the open unknown conditions; print or export the report.
Limits
US financial comparison tool. Does not recommend treatment, confirm coverage, determine eligibility or predict negotiated provider prices.
Questions
Does it use AI?
No. The tool uses explicit calculations and rules. Results depend on the records and assumptions you enter.
Do I need a subscription?
No subscription is required for the one-time purchase of this product. Access through TidyCents PRO follows the current PRO terms.
What does PRO include?
The full online version of this tool while your PRO is active.
Is the offline program included in PRO?
No. The downloadable offline program, guide and import templates come with the one-time purchase.
Where is my data stored?
Working records are stored in your browser on this device. Keep a backup, especially before changing browsers, clearing browser data or moving to another device.
Can I move my records to another device?
Yes. Export a full backup and restore it in the same product on the other device.
Can several people edit the same workspace at once?
This version is designed for one local workspace. It does not provide simultaneous shared editing.
What happens when PRO ends?
Your records stay on your device. You can still view them and export a backup; editing needs an active PRO or the one-time purchase.
Can I see how a result was calculated?
Yes. Every result opens a ‘How calculated’ view with the premiums, each event step by step, the account ledgers, the tax lines and the formulas with your numbers.
Which countries and plans does it support?
US employer and individual health plans, in US dollars. You enter each plan's terms from its Summary of Benefits; no plan database, marketplace subsidy, eligibility or tax rule is built in.
Does it use the billed amount when I do not know the allowed amount?
No. Only the allowed amount is used. When it is missing, the event goes to the unknown-conditions list and the comparison is not ranked until you enter it or mark an estimate as assumed.
Does it handle two insurances for one person?
No. Each person has one primary plan in a calculation. Coordination of benefits between two plans is not calculated in this release.
How are HSA deposits treated?
Your own deposits are a transfer between your accounts, not an extra cost of care. Employer HSA money is shown separately, the account balance stays your asset, and a bill is paid from the HSA only with money already in it on that date.
Does it calculate my tax savings or ACA subsidies?
It applies only the effective rates you enter and confirm. Federal, state and payroll rates are never added up automatically, assumed rates are shown separately, and ACA subsidies and eligibility are not calculated.
Personal-use license for one household. No resale or redistribution. Opens in your browser right after payment, on phone and computer. Your figures stay on your device. No physical item.
Family Health Plan Compare
Compare health plans using the same family visits, prescriptions and financial rules—not premiums alone.
Compare your family's health plans on the same visits and prescriptions — buy once for $9.90.
- One-time purchase
- Full version of this tool on the site plus an offline version to download. One payment. The offline copy works without a subscription.
- Access with PRO
- Full version on the site while your PRO is active. Export of your results and backups is included. The offline program is bought separately.
Pay by card, Apple Pay or Google Pay
- US medical insurance plans · amounts in USD
- Download link on the confirmation page and by email
- What you need: Any modern browser · phone and computer · offline HTML file · CSV & printable reports · 8 languages
- Refund within 14 days, for any purchase
- Formats: Interactive tool in your browser — phone and computer; PDF & CSV export
- Interactive tool · modern browser · phone and computer · downloadable offline version.
- No AI required.
- Your working records stay on your device. Export a backup to move them to another device.
- US plans, calculated in US dollars. Published IRS HSA and HDHP limits are listed with source and check date and only produce warnings.
- Print view (A4 or US Letter), CSV tables and complete backups.
- One-time purchase.
Any purchase is refunded if you ask within 14 days of payment. Files that will not open, and anything that does not match its description, are refunded in full at any time, with no time limit.
