Plans and pricing
Three tiers. Each includes everything below it.
AV
Actuarial value and creditable coverage
$4,000
per license per year
25plan sponsors per license
Buy AVor start a free trialIncludes:
- Actuarial value, live as you edit
- Network tiers, HSA and HRA funding, carve-outs
- Benchmarking and compliance checks
- Medicare Part D creditable coverage
Scenario
Rates, contributions, and proposals
$6,000
per license per year
35plan sponsors per license
Buy Scenarioor start a free trialEverything in AV, plus:
- Rate development and contribution strategy
- Surcharges, credits, and multi-option proposals
- Census upload with AI column mapping
- Employer-ready exhibits and Excel exports
Full
Dashboards and renewal projections
$8,000
per license per year
50plan sponsors per license
Buy Fullor start a free trialEverything in Scenario, plus:
- Client dashboards across lines of coverage
- Slide decks for every line
- Renewal projections: credibility, stop-loss, lasers
- Year-over-year renewal chaining
Enterprisefrom five Full licenses
Single sign-on · Audit logs with SIEM export · Priority support
AI included. No token meter.
Document extraction, chat, and AI Fill in every tier.
Compare the tiers
Each tier includes the tier below it.
| Module / capability | AV | Scenario | Full |
|---|---|---|---|
| Plan sponsors per license | Up to 25 | Up to 35 | Up to 50 |
| AI document extraction | |||
| AI chat in every module | |||
| MCP connector and API keys, for your own AI agent | |||
| Excel exports | |||
| AV Model + plan design | |||
| Creditable coverage testing (Medicare Part D) | |||
| Scenario modeling (rates, contributions, exhibits) | |||
| Census + migration tools | |||
| Experience dashboards | |||
| Renewal projection model |
Volume pricing
| Licenses | AV | Scenario | Full |
|---|---|---|---|
| 1 | $4,000 | $6,000 | $8,000 |
| 2 | $7,500 | $11,250 | $15,000 |
| 3 | $10,500 | $15,750 | $21,000 |
| 4 | $13,000 | $19,500 | $26,000 |
| 5Enterprise on Full | $15,000 | $22,500 | $30,000 |
| 6 | $15,000 | $22,500 | $30,000 |
| 7 | $17,500 | $26,250 | $35,000 |
Answers before you ask
How does the free trial work?
Fourteen days on the Full license, up to five plan sponsors, no credit card. When it ends you are never charged. Everything you built stays in view mode while your account is open, and a license picks up where you left off.
Can employers use PlanVantage?
Yes. Employers model their own renewal on Scenario, $6,000 per license per year, alongside their broker.
How many plan sponsors can I have?
25 on AV, 35 on Scenario, 50 on Full, per license, pooled across your organization; a free trial allows five. A cap only stops you creating one more, and nothing you built is removed while your account is open. Five or more licenses on any tier have no cap.
How is pricing structured?
Per single-user license. Sold by the year or month to month. Each added license costs less through the fifth (five Full licenses are $30,000 a year), the sixth is included, the seventh onward is 37.5% off list. Five Full licenses make your organization Enterprise.
How does Enterprise work?
Your organization is Enterprise from five Full licenses, at the same ladder prices: sixth included, seventh onward 37.5% off list. Enterprise adds single sign-on with Microsoft Entra ID (OpenID Connect), the option to require SSO for your domain, audit logs with SIEM export, and priority support.
Is AI included?
Yes, on every tier: extraction, chat, and AI Fill. No usage meter. Fair use guards against automated abuse.
Can I upload protected health information?
Not without a business associate agreement (Terms, section 6). Most of a renewal package is not PHI: rates, enrollment, contributions, plan design, aggregate claims. Large-claimant detail usually is. Need it? Ask us for a BAA before you upload.
How do I pay?
By card or bank debit on either term, or by invoice on Net 30 terms for a year.
Start free. Upgrade when the work demands it.
No credit card. Everything you build carries over.