We calculate the value and grade based on the employer’s medical plan design and what they contribute each year to your plan for you and your family. We use the average healthcare utilization per person yearly; this approach is consistent regardless of age or medical needs, representing an average individual for that employer. This helps you to compare plans easily. Your unique circumstances may vary.

We only need several fields about your employer’s plan, which should be printed on your insurance card, like deductible and max out-of-pocket. This calculator does not require any private or personal health information. We provide an option to insert your insurance card ID to capture the information if that is easier for you. The data shared back with that approach varies by insurance company. If, for some reason, PHI is shared, we do not access or store that information; we only use the fields required to calculate your plan value and grade.

No problem! If you're unsure about a field, we'll use the national average for that particular field. In your results, we'll specify which fields were filled with national averages rather than your input. For more accurate plan ratings and reviews, we encourage you to complete the form as thoroughly as possible.

We compare your data against others using Mployer's extensive database, the largest in the U.S. for employee benefits design, updated daily. Your plan is compared to similar companies, using data from the past 1-18 months. Our methodology ensures statistically significant sample sizes and relies on over 10 different sources for comprehensive benefits coverage.

Absolutely! We encourage you to share these findings with your benefits team. We offer comprehensive assessments for HR departments to compare and evaluate plans and are ready to provide further information as needed.

Yes, there is. Please refer to the provided links below for definitions of each term used in our calculator.