Your coverage,
finally explained.
Simplivera simulates your actual annual costs — not just premiums — and scores every plan against your real situation. Plain English answers, real math, zero guesswork.
Our Scoring Model
What makes us differentA deterministic scoring model — not AI guesses — that simulates your actual annual costs across three real-world usage scenarios and scores each plan on cost efficiency, risk protection, predictability, and fit.
Ask the Companion
A conversational AI guide that explains deductibles, copays, coinsurance, plan types, and metal tiers in plain English. Upload your Summary of Benefits for personalized answers.
Plan Fit Dashboard
Side-by-side plan comparison with cost-range visualizations, a plain-English recommendation narrative, and behavioral insights to help you avoid common decision traps.
Four steps to a confident decision
Upload or shop
Have a plan? Upload your Summary of Benefits PDF. Shopping for one? Browse marketplace plans by state, metal tier, and coverage needs.
Tell us about you
Share your expected usage, risk tolerance, budget priority, and who you're covering. Takes about 60 seconds.
Run the simulation
Our scoring model calculates expected annual costs under low, medium, and high usage — then scores each plan across four dimensions.
Review your results
Get a plain-English recommendation, side-by-side cost visualizations, key tradeoffs, and behavioral insights — all in one place.
Built for both sides of enrollment
Choosing your own plan
Whether you're on a Marketplace plan, COBRA, or evaluating employer options — Simplivera helps you model real costs and make sense of what you're actually buying.
- →Marketplace Bronze, Silver, Gold, Platinum tiers
- →HDHP vs. PPO vs. HMO tradeoffs
- →Estimate costs for your specific care needs
- →Understand in-network vs. out-of-network risk
Open enrollment season
Employer plans can be hard to compare. Simplivera takes your plan documents and maps out what you'd actually pay — not just what the brochure says.
- →Compare multiple employer plan options side by side
- →Understand how your usage affects total cost
- →Factor in FSA / HSA eligibility for HDHPs
- →Get a recommendation tailored to your risk profile
Open enrollment coming up?
Get notified when it opens — we'll remind you so you don't miss your window.
Stop guessing.
Start understanding.
No signup. No sales pitch. Just clear answers about your health insurance.
Get started — it's free →