From guesswork to confidence:

Katie is a 34-year-old software engineer in NYC. She recently started a new job and had to pick between 3 health insurance plans.

*Katie’s name has been changed and her employers omitted to protect their privacy.

A new job, complex health plans, and a decision that wasn’t easy

At her last job, Katie had a generous health plan with no upfront medical costs. But when the company introduced cost-cutting measures and started taking money out of her paychecks, it pushed her to learn more about health insurance.

“It was me doing calculations based on a very incomplete picture, and just asking friends in the office, like, ‘What did you pick?’ But that’s not really a good measure, because they could have some horrible illness where they need to see specialists.”

Her rough math suggested the savings and costs might cancel out, so she stuck with the familiar plan. At her new job, the choice was less clear. One option had a high deductible and HSA contributions, but vague plan details made her uneasy about paying for each medical visit.

Katie didn’t want to default to the familiar just to avoid upfront costs or risk missing out on possible savings. Overwhelmed and unsure, she turned to Predictabill.

Predictabill gave Katie clarity in under 5 minutes

In just 57 seconds, Katie completed Predictabill’s simple multiple-choice questionnaire. She then explored different best- and worst-case scenarios by changing her answers and seeing how her costs would shift.

“I went through different types of medical appointments, marking some as ‘I will absolutely do this this year,’ or, worst case, ‘I might have to do this,’ so ‘not confident.’ After, I could view each doctor’s visit or prescription as ‘I will be doing this,’ ‘I might be doing this,’ or ‘I will not be doing this.’”

The dashboard clearly laid out her projected spending across all three plans. The whole process took less than 5 minutes, and her decision was instant.

“Predictabill gave me an accurate representation of what I'd be getting out of every health plan.”

Understanding the trade-offs gave Katie confidence and saved her $2,000

Predictabill helped Katie understand the trade-offs between her options, including the plan with a high deductible and HSA contributions. Once she factored in her employer’s support and potential tax advantages, it became clear that this choice could save her around $2,000 over the year.

“Just seeing the difference in dollar amounts per plan on the Predictabill dashboard made the decision not even debatable.”

If she had chosen this plan on her own, she says she would’ve hesitated to seek care, unsure of the cost.

“Predictabill showed me, even if you spend a few hundred out-of-pocket, you’re still saving money by choosing this. I will be more likely to go to that urgent care visit than had I chosen that plan without any backing.”

Lasting peace of mind and a less stressful onboarding process

In past jobs, Katie waited until the last minute to choose a health plan, never feeling fully sure of her decision.

“I wouldn’t have been as confident without Predictabill. Had I come to that conclusion on my own, I may have second guessed myself the next year. With Predictabill, it was just, ‘Oh, this is a no brainer.’”

With the stress and paperwork of a new job, Predictabill made enrollment easier. Instead of relying on HR or asking around, she had clear answers and could decide on her own.

“You're already overwhelmed starting a new job, and health insurance is one more thing to worry about. Predictabill helps you make an educated decision quickly and saves you money.”