# Benefits Decoder: Health Plan — Insurance costs, with the math

> Insurance costs, with the math (iPhone/iPad app by Decoder Labs LLC.)

- Source: https://appshunter.io/ios/app/benefits-decoder-health-plan/id6799253489 (this page in markdown: same URL + `.md`)
- Developer: [Decoder Labs LLC](https://appshunter.io/developer/6799253491)
- Category: Finance, Health & Fitness
- Price: Free with in-app purchases
- Age rating: 4+
- Requires: iOS 15.0 · 1 MB
- Languages: American English
- Released: 2026-08-17
- Data updated: 2026-09-16
- User reviews in markdown: https://appshunter.io/ios/app/benefits-decoder-health-plan/id6799253489/reviews.md

## What is Benefits Decoder?

Your employer hands you a benefits guide and a deadline. Benefits Decoder turns them into an answer: which health plan costs you least, with the math
to prove it. Upload your benefits guide, answer a few questions about how you actually use care, and get a report that names the winning plan for your situation: premiums, deductibles, copays, employer HSA money, all of it priced across low, medium, and heavy use. No account. No email. Your PDF is opened right on your device: only the plan text is sent to generate your report, and it is never tied to who you are.

QUESTIONS THIS ANSWERS

- Which of my plans is genuinely cheapest for how I use care?
- Is the high-deductible plan with the HSA actually the better deal?
- Where do two plans cross over: at what point does one overtake the other?
- What does a year on each plan really cost, not just per paycheck?
- Is my spouse's plan better than mine?

FREE TOOLS, NO PURCHASE NEEDED

- Plan crossover calculator: see exactly where two plans trade places
- COBRA cost calculator
- 401(k) match checker
- HSA vs FSA, urgent care vs ER, and other plain-English guides
- A complete sample report, so you can see the deliverable before paying

WHAT IT COSTS

The tools and guides above are free. Decoding your own benefits guide is a one-time purchase: the price is shown before you upload anything. One unlock covers your whole household's guides for this enrollment season.

WHO THIS IS FOR

Anyone picking between employer health plans: open enrollment, a new job, a qualifying life event, or a spouse's plan comparison. Built for United States employer benefits.

Benefits Decoder does the arithmetic your HR presentation skips. It is not insurance advice: it is your own numbers, organized so the decision is obvious.

## Pricing and in-app purchases

Base price: Free.

**One-time purchases**

| Purchase | Price | Type |
| --- | --- | --- |
| Decode my benefits | $24.99 | one-time |



## Version history (last 1 release)

### 1.0 — 2026-08-17

No release notes.

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*Data collected daily from the US App Store and indexed by [AppsHunter](https://appshunter.io/). User reviews are verbatim App Store reviews. Ratings, prices and chart positions refresh continuously; this snapshot is from 2026-09-16.*