See what each FEHB plan would have cost you this year.
Load your own health insurance claims. The analyzer prices them under every plan you pick and ranks the plans by your real yearly cost.
2027 Open Season runs November 9 to December 14, 2026.
Sample result: one person, Self Only
Illustration with made-up claims and plans
How it works
You need the claims file your insurance company lets you download from its website. Plan on about 20 minutes.
Load your claims
Open the analyzer and load your carrier's claims download. It matches the columns for you and shows each claim for review.
Pick plans to compare
Choose the plans available where you live and mark the one you have now. Add care you expect next year.
See your yearly cost
Each plan's premiums, plus what you would have paid for your care, minus any HSA or HRA money. Sort by cost or by plan design.
Your claims stay on your computer
We never see your health information. There is no account, no upload and no server to hold it.
- It runs in your browser
- The analyzer is a single file you download and open. A built-in security policy blocks it from connecting to the internet at all.
- Names are replaced as claims load
- Patient names become "Person 1", "Person 2". Member ID, account and address columns are dropped.
- Nothing is kept unless you ask
- Claims are erased when you close the tab. You can choose to remember your plan choices on your own computer.
- No tracking on this website
- No cookies, ads or analytics. Read the Privacy Policy.
One price per Open Season
Pay once, use it as often as you like through Open Season. No subscription. Full refund within 14 days if it isn't useful.
| Pass | Price | What you get | Buy |
|---|---|---|---|
| Beta PassThrough November 15 | $9.99 | The full analyzer now, with the 2027 plan update when it's ready. We'll ask for your feedback. | Buy Beta Pass |
| Season PassNovember 9 to December 14 | $14.99 | The full analyzer with 2027 plan data, all claim importers and CSV export of your results. | Buy Season Pass |
| Family/Annuitant PassNovember 9 to December 14 | $24.99 | Everything in the Season Pass, plus priority email help comparing plans for several family members or alongside Medicare. | Buy Family Pass |
Checkout is handled by Lemon Squeezy, our reseller, which also handles sales tax. We never see your card number.
Questions
Which insurance companies' files work?
Any carrier that lets you download claims as a spreadsheet (CSV). The analyzer matches common column names and lets you correct any it misses. It was built and tested with UnitedHealthcare files; others may need a column or two matched by hand.
Is this advice about which plan to choose?
No. It's a planning estimate based on your past claims and the plan rules we could verify. Each plan's official brochure controls what you would actually pay. Fields we couldn't verify are marked in the analyzer rather than guessed.
Are you connected with OPM or any insurance company?
No. The analyzer is an independent tool. We aren't affiliated with or endorsed by the U.S. Office of Personnel Management or any FEHB carrier, and we earn nothing from the plan you pick.
Does it work on a phone?
It opens on phones and tablets, but loading claim files and reading the comparison table is much easier on a computer.
How do I get help?
Email support@openseasonanalyzer.com. Please don't attach your claims; describe the problem or send a screenshot with names hidden.