How do I license the tool? Click “15 day trial.” No payment info is required upfront. After 15 days you can switch your account to a paid account.
What’s the source of the underlying data? The Kaiser Family Foundation Employer Benefits survey underlying data, trended from 2018, with 2020 data + proprietary employer data.
How often is the data refreshed? Once per year for Kaiser data; employer data is loaded periodically.
What is plan value? Plan value approximates actuarial value, or, on average, the percentage of in-network claims paid by insurance. Values range between 60% to over 90% and are often referred to by metal levels. Bronze is 60%, Silver 70%, Gold 80%, and Platinum 90% +/- 2%. Healthier people will have lower claims and pay a greater percentage, while those with higher claims will pay a lower percentage of the value.
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