2026 Open Enrollment Comparison Worksheet
A printable, fillable PDF worksheet to compare up to 4 health insurance plans side-by-side. Never pick the wrong plan again.
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Why Compare Plans Before You Enroll?
Studies show that most employees select their employer's default plan without comparing options — costing the average family $500–$2,000 in unnecessary premiums and out-of-pocket costs per year. This worksheet makes comparison effortless.
What's in the Worksheet
Section 1: Plan Basics
- ✓Plan name, insurer, and metal tier (Bronze / Silver / Gold / Platinum)
- ✓Monthly premium (before and after APTC subsidy)
- ✓Type of plan: HMO, PPO, EPO, or HDHP
- ✓Network size: narrow, medium, or broad
- ✓In-network vs. out-of-network coverage
Section 2: Cost-Sharing Comparison
- ✓Annual deductible (individual and family)
- ✓Out-of-pocket maximum (individual and family)
- ✓Primary care copay / coinsurance
- ✓Specialist visit copay / coinsurance
- ✓Emergency room cost
- ✓Urgent care copay
Section 3: Prescription Drug Coverage
- ✓Tier 1 (generic) cost per 30-day supply
- ✓Tier 2 (preferred brand) cost
- ✓Tier 3 (non-preferred) cost
- ✓Specialty drug coverage and prior authorization rules
- ✓Mail-order pharmacy discounts
Section 4: Provider Network Check
- ✓Verify your primary care doctor is in-network
- ✓Verify all specialists you see regularly are in-network
- ✓Confirm your preferred hospital is in-network
- ✓Check if your prescriptions are on the formulary
- ✓Review referral requirements for specialists
Section 5: Estimated Annual Cost Calculator
- ✓Calculate: 12 × monthly premium
- ✓Add: estimated out-of-pocket costs based on your usage
- ✓Subtract: any employer contribution
- ✓Compare total estimated costs across all 4 plan options
- ✓Note HSA eligibility (HDHP plans only)
Important Disclaimer
This site provides general educational information only and is not a substitute for professional insurance advice. All rates, data, and coverage details are estimates and may not reflect your actual premiums. Insurance availability and pricing vary by state, insurer, and individual risk factors. Always consult a licensed insurance professional in your state before making coverage decisions.