Observed arrival · 2026-10-25
Open Season Insurance Analyzer
A downloadable tool that estimates and compares FEHB plan costs using your own insurance claims, processed in your browser.
- For
- Federal employees comparing FEHB health plans
- Worth noticing
- Its sample uses fictional claims; the page says files were tested with UnitedHealthcare, while other carriers may need manual corrections.
Field notes
The comparison combines plan premiums with estimated costs for the user's care, then subtracts HSA or HRA funds. The page recommends obtaining a carrier claims spreadsheet or EOB statements and says the workflow takes about 20 minutes. Claims are shown for review; names are replaced with labels such as “Person 1,” and member ID, account, and address columns are dropped. The page presents the estimates as planning aids, not insurance advice, and says official plan brochures determine actual costs.
Observed signals
Read the marks
Editorial observations of this landing page, not a rating.
One card from the complete issue