ESTIMATE — NOT A QUOTE. Built on approved iBynd | Semsee contribution rates, supplied UHC / Oxford plan summaries, and stated assumptions. Your actual costs depend on the care you use.
Answer a few quick questions about how you expect to use care. We’ll compare estimated annual cost across the UHC / Oxford options—including premiums, expected care, employer HSA funding, and potential tax savings.
Runs entirely in your browser — nothing is saved or sent.
First, the basics
Who are you covering?
Your style
What matters more to you?
There's no wrong answer — it just helps us frame the trade-offs when we show you the math.
Your provider network
Are you comfortable using only providers in the UHC / Oxford network?
The Silver EPO plan requires you to use in-network providers for covered, non-emergency care. If that network is not a fit, we’ll remove the EPO from your estimate.
Check your providers before you decide.Open the provider lookup and continue as a guest. Select Employer and Individual, enter your location, then scroll to choose Oxford Freedom with Choice Plus.Open UHC / Oxford Provider Lookup ↗
No crystal ball required — just a rough guess. An active lifestyle can mean the odd weekend urgent-care visit or occasional ER trip, and estimating it helps us get your numbers right.
Urgent-care visits
Walk-in clinic for minor, urgent issues
Emergency-room visits
Hospital ER for serious emergencies
Prescriptions
How about medications?
We’ll estimate ongoing generic, brand-name, and specialty medications separately. Not sure of a medication’s category? Your pharmacy label can help.
Short-term — a few times a year
Short-term prescriptions
One-off fills like an antibiotic (Z-Pack) or an infection. How many courses in a typical year? Most are generic, so we count each as a single copay.
Ongoing — taken every month
Ongoing generic medications
Maintenance meds you refill monthly — we'll do the 12-fills-a-year math. Just count how many different generics.
Ongoing brand-name medications
Same idea, higher-cost name-brand drugs. Count how many different brand meds.
Ongoing specialty medications
Taken monthly and covered through the UHC / Oxford plan. We use the average of that plan’s Tier 1, Tier 2, and Tier 3 specialty cost-sharing.
The year ahead
Any significant upcoming healthcare events that you're aware of?
Almost there
Roughly, what's your annual household income?
We use this only to estimate your potential tax savings from paying for care with pre-tax dollars. Nothing is saved.
Last one
What kind of plan are you on today?
Totally optional. Many people prefer to keep the type they already have — if you're on an HSA, we'll put those options first.
Your personalized estimate
Your best match is —
Available plans, ranked by your estimated total cost — lowest first. Follow the math down each card.
In-network preventive care is $0. Specialty medications assume 12 fills a year at the average of each plan’s Tier 1, Tier 2, and Tier 3 specialty cost-sharing; actual tier, authorization, and designated pharmacy can change your cost. Total = premium ＋ your expected out-of-pocket − tax-free employer HSA contribution, capped at each plan's out-of-pocket max. Premiums are the approved monthly employee contributions; your per-paycheck deduction depends on your payroll schedule. Estimate only—not a quote.
Total = premium + expected out-of-pocket − tax-free employer HSA contribution. Premiums are the approved monthly employee contributions and your per-paycheck deduction depends on your payroll schedule. Household income maps to an approximate marginal tax bracket, used only for the separate pre-tax savings note—it is not baked into the ranking. If you do not select the UHC / Oxford network as a fit, the Silver EPO is removed from the recommendation. *Specialty medication estimates assume 12 fills a year and use the average of each plan’s Tier 1 specialty copay plus the Tier 2 and Tier 3 specialty maximums listed in its SBC. Actual tier assignment, drug cost, prior authorization, and designated-pharmacy requirements can change your cost. Service-unit costs are planning assumptions; official plan documents govern. Estimate only—not a quote.
Plan Cost Estimator
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