Your coverage,
finally explained.
Coverage Companion helps individuals and employees understand, compare, and choose health insurance plans — using plain English, real cost math, and a scoring model built on your actual situation.
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.
Confidence Engine
A deterministic scoring model — not AI estimates — that simulates your annual costs across three usage scenarios and scores each plan on cost, risk, predictability, and fit.
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
Tell us about yourself
Share your expected usage, risk tolerance, and upcoming care needs — or just chat naturally and we'll detect your preferences.
Enter your plan details
Input premiums, deductibles, copays, and OOP maximums from your plan options. Upload your SBC for automatic extraction.
Run the simulation
The Confidence Engine 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 dashboard.
Built for both sides of enrollment
Choosing your own plan
Whether you're on a Marketplace plan, COBRA, or evaluating employer options — Coverage Companion 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. Coverage Companion 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
Stop guessing.
Start understanding.
No signup. No sales pitch. Just clear answers about your health insurance.
Get started — it's free →