Choose your health plan with your own claims, not a guess.
HerePup builds a cost model from your own claims history and estimates what every plan your household can choose is likely to cost, whether HDHP, PPO or EPO and across every employer, counting premiums, deductibles, copays and HSA money. Then test a heavier or lighter year before you decide.
Drag in your benefit guides and claims. They're read on your device and never uploaded.
How it works
Add your plan options
Drag in each employer's benefit guide, typed or scanned. HerePup reads the plan options, premiums, deductibles and copays, and you confirm every number.
Bring in your claims history
Drag in your explanations of benefits and the claim or pharmacy summaries you can download from your insurer's website. The last 12 months is the best start; earlier years let you plan around your highest, lowest or average year.
See what each plan is likely to cost
HerePup models how your kind of care would be covered under every plan: which visits get a flat copay and which go to the deductible. See month by month when costs would land and how much to set aside, then adjust for a heavier or lighter year.
Spend less on the same care
See where your money went, and where the same kind of care costs less: one urgent care against another, the same test at two labs, the same drug at two pharmacies.
Watch the 3½-minute walkthroughSee a sample household go from benefit guides to an answer, planning for a baby, month-by-month costs and savings, step by step.
Use it any time your coverage choice matters
Open enrollment
Compare next year's plan options, at your employer and a spouse's, before the deadline.
A new job or job offer
See what each new plan is likely to cost before you enroll, or how two offers' benefits really compare.
A life event
Marriage, a new baby or losing other coverage usually lets you change plans mid-year. Check which option fits now.
Planning the year ahead
Budget for premiums and care month by month, plan HSA contributions, and check you're on the right plan.
Your health data stays with you
HerePup runs on your own device, right in your browser. Your documents are read there and never uploaded. We don't have servers that receive them.
- No HerePup account, and we never see your carrier password
- Carrier access is read-only and only with your approval
- Nothing is sold, shared or used for advertising
- Disconnect or delete everything at any time
Guides for choosing a plan
How to choose a health plan
What to add up for each plan, step by step, with a worked example and the 2027 limits.
HSA vs PPO calculator
Two plans side by side: your yearly cost at any level of care, with nothing to upload.
Your plan or your spouse's?
Compare two employers' plans, with spouse surcharges, working-spouse rules and opt-out pay.
Expecting a baby?
What a birth costs, why the out-of-pocket maximum matters, and adding your baby.
Common questions
When should I use HerePup?
Any time you're choosing or checking your coverage, not just at open enrollment: when you start a new job or weigh a job offer, after a life event such as marriage, a new baby or losing other coverage (which usually lets you change plans outside open enrollment), when a spouse's employer opens enrollment at a different time, or when you're budgeting for the year ahead.
Do you see my health information?
No. HerePup runs in your web browser, on your device. Your benefit guides and claims are read there and never uploaded, and HerePup has no servers that receive them. The site only counts anonymous visits and a few steps, with no cookies. You can erase everything with "Delete all my data" in the app.
What do I need to get started?
Each plan option's benefit guide or plan summary (a PDF is fine, even a scanned one), and your recent claims history: the explanations of benefits (EOBs) or claims spreadsheet you can download from your insurer's member website under Claims, plus pharmacy claims if you fill prescriptions. The last 12 months gives the best starting point; add earlier years to plan around your highest, lowest or average year. Direct insurer connections are in testing; see insurer connections to request yours.
Where HerePup is today
HerePup is in early testing, and you can try it now with your own documents. Its estimates come from your own documents and are not a guarantee of cost or a substitute for your plan's documents. Questions, feedback or partnership inquiries: send us a message.