Open enrollment & life changes

Pick a plan using last year’s costs—not guesswork

Model deductibles, copays, and out-of-pocket spend against the plans in front of you, or get a target profile if you are shopping on your own.

Get started See when to use it

When Planora helps

Built for U.S. consumers comparing coverage—employer, marketplace, or two offers in the household.

Open enrollment

Stack your plan documents next to your real spend and run scenarios: same as last year, or adjust for more visits, new prescriptions, or family changes.

Qualifying life event

New job, marriage, birth, or move? Re-evaluate quickly with a clear view of your prior out-of-pocket pattern—before the election window closes.

COBRA vs alternatives

If you are deciding whether to continue employer coverage, pressure-test the numbers against other options you can actually choose.

Educational only — read disclaimer

How it works

Connect or upload your spending context, add the plans you are offered, and explore scenarios—without replacing your own judgment.

Bring your data

Use estimates, receipts, or supported connections where available. You stay in control of what you share.

Enter your options

Add plan highlights from your SPD, SBC, or screenshots. What you can supply drives the model.

Run scenarios

See how costs might land if the year looks like the last one—or a bit different—and where each plan is likely to hurt or help.

Not a licensed insurance agent or broker. Planora is an educational and organizational tool. It does not sell or bind insurance and is not a substitute for reading your plan documents or talking to your benefits administrator or a licensed professional when you need one.

Not medical advice. Nothing here is a diagnosis, treatment, or clinical recommendation.

COBRA and coverage decisions have deadlines and rules that vary. Use this app to organize your numbers—then confirm details with your plan, COBRA administrator, or marketplace, as applicable.

Ready to model your year?

Open the app