For Premium members
Upload your plan and get a clear recommendation
Add your plans. Get a plain-language summary, cost estimates built for you, and answers drawn from your own documents. $20 a year, with a full refund within 30 days of your first purchase. Educational information, not licensed insurance advice.
See Premium in action
Your plan, read back to you in plain language
A real pass through the Premium dashboard: the recommendation, the cost scenarios, and the answers, all built from the member's own plans. Shown here with clearly labeled sample plans and numbers.
Why not just ask a chatbot?
A general AI is for general questions. This is your coverage.
General assistants are genuinely useful, and for broad questions they're a fine place to start. HealthWise Premium is built for one decision that has to be right: yours.
Your numbers, not an average
Premium reads your actual plan documents and answers from them. Every recommendation and cost estimate is grounded in your deductible, your copays, your network rules.
Blanks, never guesses
Our reader records only what your document explicitly states and leaves anything unstated blank for you to fill in. A general assistant is built to always have an answer; ours is built to be right or silent.
Computed, not improvised
Yearly cost scenarios come from a calculator running on your plan's parsed terms, so the same plan and the same usage always produce the same math. It is an educational estimate, not a generated guess.
You know where your documents go
Encrypted with AES-256-GCM, never sold, never used to train AI models, deletable any time. That promise is in our Privacy Policy, not just on this page.
How we use AI, including what it is not allowed to do: Our Approach to AI →
Ready to see your own numbers?
Lessons and the glossary stay free for everyone. Premium adds the tools that read your own plans.