Stop Guessing. Start Saving.

Your employer gives you 4 health insurance options. You pick the cheapest one they offer and lose $2,847 this year. Or you have PlanStan help you find the best fit and have a $2,847 vacation or invest instead.
You're in! 🎉 We'll notify you the moment early access opens so you can choose the best plan this open enrollment season.
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You're doing this wrong. Every year, 87% of employees choose health insurance based on monthly premium alone. That's like buying a car based only on the down payment.
The "Cheapest Premium" Trap
You see Plan A costs $150/month and Plan B costs $300/month. You choose Plan A thinking "Wow, I just saved $1,800 this year!" Wrong. Plan A has a $5,000 deductible. Plan B has a $500 deductible. You just lost $4,500 if you actually use your insurance.
The "Same As Last Year" Mistake Your family situation changed. Your doctor changed networks. Your medications changed. But you're still using the same insurance you picked 3 years ago. This has cost you thousands in out-of-network charges and prescription copays.
The "Ask Around" Gamble
Steve from accounting likes his plan. But Steve is 24, childless, with diabetes. You're 45, married, with two kids. Steve's "great" plan is costing you $3,000 extra this year because it doesn't cover your specific situation.
Here's What Actually Matters
Smart companies hire CFOs to analyze complex financial decisions. You need the same level of analysis for your health insurance. We analyze premiums, deductibles, copays, OOP max & model scenarios so you pick smart, not just cheap.
Total Cost Analysis
What you'll actually spend over the year - premiums + deductibles + co-pays + out-of-network expenses based on your specific situation.
Scenario Modeling
What happens if you have a baby? Need surgery? Develop a health condition? You can't prepare for everything, but you can prepare for the most likely scenarios.
$2,847
Average amount saved by users who switched plans
23min
Time to complete analysis
94%
Of users report choosing the wrong plan
"I was choosing the $200/month plan because it was cheapest. PlanStan showed me the $350/month plan would save me $1400 this year because of my medications. I thought I was being smart with money. I was being stupid."
Jennifer K.
Marketing Manager
How PlanStan Works
Upload Your Options Upload your employer's insurance documents. We parse all the important details automatically.
Tell Us About You Age, family size, expected medical needs. The more we know, the more we can save you.
Get Your Analysis We crunch your data and give you a personalized recommendation with healthcare costs based on your specific situation.
"Open enrollment used to stress me out for weeks. Now I just upload my options to PlanStan and make a decision in 30 minutes. It's like having a financial advisor who actually understands healthcare."
David M.
Software Engineer
The Math Nobody Wants to Do
Insurance companies design plans to confuse you. We cut through the complexity.
Plan A: "The Obvious Choice"
Monthly premium:
$180
Annual premium:
$2,160
Deductible:
$5,000
Out of pocket max:
$8,000
Plan A total cost:
$10,160
Plan B: "Looks Expensive"
Monthly premium:
$340
Annual premium:
$4,080
Deductible:
$1,500
Out of pocket max:
$4,000
Plan B total cost:
$8,080
VS
Sarah needs $8,000 in medical care this year. The "Looks Expensive" plan saves her $2,080.
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FAQ
Is Stan a real person?
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Stan is not a real person but PlanStan was founded by a team of investment bankers, CFOs, economists and builders. So while he isn’t real, he is your own personal CFO for health insurance decisions.
Can PlanStan sell me health insurance?
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No, PlanStan does not sell insurance. PlanStan uses CFO-level expertise to analyze the health insurance options that your employer is offering you and your spouse. It then walks you through total cost analysis and scenario modeling of expected and unexpected health scenarios so you can find the ideal plan for you or mix of plans for your family.
Is PlanStan an Employee Benefits Decision Support Tool?
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Yes and no. PlanStan helps you select the best health insurance for you based on what your employer offers (aka an employee benefit decision support tool). But if your employer has offered you a Employee Benefits Decision Support Tool in the past don’t confuse PlanStan with them. For one they are terrible. PlanStan is the only tool built for employees not employers. Think of PlanStan as TurboTax for health insurance, its an expert tool to help you find the best health insurance from what is offered to you.
This sounds cool, why aren't you venture backed?
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Venture backed businesses are incentivized to rocket ship or flame out. We’ve seen millions of dollars lit on fire and amazing products die. Given for-profit health insurance is already a system with bad incentives we’re here to solve it sustainably, not make it worse . For us to be around to help as many as people as possible with the best product possible that means bootstrapping with an expert team. We do love to partner with individuals and businesses equally committed to solving this challenge so if that’s you reach out to stan@theplanstan.com.
Sounds like you really don’t like the current health insurance system?
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Yep, it’s bad. Like couldn’t be much worse bad. We’re here to make it better.
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Join Waitlist
Stop Leaving Money on the Table
This open enrollment period is your chance to get this right. Don't guess. Don't default. Don't ask around.
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Important: PlanStan provides educational analysis and information about US-health insurance options. We are not licensed insurance agents or advisors. We do not provide insurance advice or recommendations. Our analysis is for informational purposes only to help you understand your options. Always consult with qualified insurance professionals for personalized advice. PlanStan does not guarantee any specific outcomes or savings.
stan@theplanstan.com