Skip to main content
MediNav
Tool

Should I switch plans?

Pick your current plan and one you're considering. We'll show the year-over-year difference in plain dollars, plus where the difference comes from. No commission, no upsell.

Pick two plans

Your typical year

Roughly what you spend per year on covered medical care + prescriptions on your current plan.

Doctor copays + specialist visits + any hospital. Look at last year's EOBs (Explanation of Benefits).

Your share, summed across the year. Capped at $2,100 by the IRA in 2026.

This estimate doesn't account for prior-auth differences, out-of-network usage, formulary changes mid-year, or your specific doctors / drugs. To get a per-plan ranking that uses your real prescriptions and chronic conditions, run the full questionnaire.