Open enrollment is 30 days to make decisions that affect your entire year
LifQ helps you analyze your current benefits, compare your options, and make confident enrollment decisions — without spending weekends decoding plan documents.
Most people re-enroll without actually comparing options
Open enrollment happens once a year, with a deadline that waits for no one. Most people default to whatever they had last year — even when their situation or the plans have changed.
Benefit documents are dense and confusing
Summary of Benefits and Coverage documents run 20+ pages of insurance language. Most people scan the first page and move on.
You can't see your options side-by-side
Comparing three health plans with different deductibles, networks, copays, and premiums requires a spreadsheet most people don't build.
You don't know how much you'll actually spend
Premium cost is easy to see. Out-of-pocket exposure if something goes wrong is much harder to calculate.
You're making decisions without last year's data
How much did you actually spend on healthcare last year? Most people don't know — but LifQ does if you've tracked your policies.
How LifQ makes open enrollment decisions clearer
Upload your employer's benefits guide and plan documents
Forward the email from HR or upload the PDF. LifQ reads the full document and extracts every plan's key data.
AI compares your options across what matters
Premiums, deductibles, copays, HSA/FSA eligibility, network coverage — all mapped and compared in plain language.
See the total cost picture, not just the premium
LifQ models your likely annual costs based on your household's typical healthcare usage, showing you the plan that actually costs less.
What you get with LifQ
Compare plans in plain language
No more decoding Summary of Benefits documents. LifQ translates them into clear comparisons.
See your true annual cost
Premium + deductible + copay exposure — the real number you should be comparing.
Deadline reminders
Never miss an enrollment window. LifQ tracks your open enrollment period and sends reminders.
Family coverage analysis
Optimize coverage for your whole household — including dependent coverage and family deductible calculations.
See it in action
Your employer offers three health plans: a low-deductible PPO at $280/month, a mid-tier HMO at $190/month, and a high-deductible HSA-eligible plan at $120/month.
LifQ analyzes your family's healthcare patterns and shows that for a healthy family who rarely hits the deductible, the HDHP + HSA saves $2,400/year after employer contributions — a choice most people would never make without the data.
Frequently asked questions
Does LifQ work with all employer benefits systems?
Yes. LifQ works with any benefits documents you can upload — PDFs, email attachments, or photos of printed materials. It's not connected directly to HR systems.
Can LifQ help me decide between an HSA and FSA?
Yes. LifQ explains the differences between HSA and FSA accounts, analyzes your healthcare spending patterns, and helps you estimate optimal contribution amounts.
What if I miss my open enrollment window?
If you miss open enrollment, you typically can only change plans during a qualifying life event (marriage, new child, job change). LifQ tracks these events and reminds you to act when windows open.
Can LifQ remind me when open enrollment starts?
Yes. Once you've set up your employer benefits in LifQ, it alerts you when your open enrollment window is approaching so you have time to review your options.
Related solutions
Make this open enrollment your best one yet
Join LifQ and spend 15 minutes analyzing your options instead of 15 days second-guessing your decision.
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