<?xml version="1.0" encoding="UTF-8"?>
<!-- lastmod values here are placeholders: the sitemap-lastmod plugin in
     vite.config.ts rewrites every one at build time (blog posts from their
     date/dateModified in blogPosts.tsx, other routes from the build date).
     Do not hand-edit dates; DO keep the url list current — it is pinned by
     src/data/blogConsistency.test.ts. -->
<urlset xmlns="http://www.sitemaps.org/schemas/sitemap/0.9" xmlns:xsi="http://www.w3.org/2001/XMLSchema-instance" xsi:schemaLocation="http://www.sitemaps.org/schemas/sitemap/0.9 http://www.sitemaps.org/schemas/sitemap/0.9/sitemap.xsd">

  <!-- Homepage -->
  <url>
    <loc>https://www.planvantage.ai/</loc>
    <lastmod>2026-09-21</lastmod>
    <changefreq>weekly</changefreq>
    <priority>1.0</priority>
  </url>

  <!-- Product Pages - High Priority for Sitelinks -->
  <url>
    <loc>https://www.planvantage.ai/demo</loc>
    <lastmod>2026-09-21</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.95</priority>
  </url>

  <url>
    <loc>https://www.planvantage.ai/pricing</loc>
    <lastmod>2026-09-21</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.95</priority>
  </url>

  <url>
    <loc>https://www.planvantage.ai/free-trial</loc>
    <lastmod>2026-09-21</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.9</priority>
  </url>

  <url>
    <loc>https://www.planvantage.ai/contact</loc>
    <lastmod>2026-09-21</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.9</priority>
  </url>

  <url>
    <loc>https://www.planvantage.ai/careers</loc>
    <lastmod>2026-09-21</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.4</priority>
  </url>

  <!-- Resources -->
  <url>
    <loc>https://www.planvantage.ai/case-studies</loc>
    <lastmod>2026-09-21</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.8</priority>
  </url>

  <url>
    <loc>https://www.planvantage.ai/faqs</loc>
    <lastmod>2026-09-21</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.8</priority>
  </url>

  <url>
    <loc>https://www.planvantage.ai/updates</loc>
    <lastmod>2026-09-21</lastmod>
    <changefreq>weekly</changefreq>
    <priority>0.6</priority>
  </url>

  <!-- Blog (every live post; retired slugs redirect and are omitted) -->
  <url>
    <loc>https://www.planvantage.ai/blog</loc>
    <lastmod>2026-09-21</lastmod>
    <changefreq>weekly</changefreq>
    <priority>0.8</priority>
  </url>

  <url>
    <loc>https://www.planvantage.ai/blog/specific-vs-aggregate-stop-loss</loc>
    <lastmod>2026-08-18</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.7</priority>
  </url>

  <url>
    <loc>https://www.planvantage.ai/blog/self-funded-renewal-projection</loc>
    <lastmod>2026-08-18</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.7</priority>
  </url>

  <url>
    <loc>https://www.planvantage.ai/blog/self-funded-dashboard-pmpm-loss-ratio-ibnr</loc>
    <lastmod>2026-08-18</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.7</priority>
  </url>

  <url>
    <loc>https://www.planvantage.ai/blog/self-funded-vs-fully-insured-vs-level-funded</loc>
    <lastmod>2026-08-18</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.7</priority>
  </url>

  <url>
    <loc>https://www.planvantage.ai/blog/designing-an-employee-contribution-strategy</loc>
    <lastmod>2026-08-20</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.7</priority>
  </url>

  <url>
    <loc>https://www.planvantage.ai/blog/2027-plan-year-numbers-employer-health-plans</loc>
    <lastmod>2026-09-15</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.7</priority>
  </url>

  <url>
    <loc>https://www.planvantage.ai/blog/2027-medical-trend-surveys-stop-loss-market</loc>
    <lastmod>2026-09-10</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.7</priority>
  </url>

  <url>
    <loc>https://www.planvantage.ai/blog/hra-vs-hsa-vs-fsa</loc>
    <lastmod>2026-09-03</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.7</priority>
  </url>

  <url>
    <loc>https://www.planvantage.ai/blog/what-is-actuarial-value</loc>
    <lastmod>2026-08-18</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.7</priority>
  </url>

  <url>
    <loc>https://www.planvantage.ai/blog/modern-benefits-tech-stack</loc>
    <lastmod>2026-08-18</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.6</priority>
  </url>

  <url>
    <loc>https://www.planvantage.ai/blog/renewal-season-playbook</loc>
    <lastmod>2026-08-18</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.6</priority>
  </url>

  <url>
    <loc>https://www.planvantage.ai/blog/hdhp-hsa-strategy</loc>
    <lastmod>2026-08-18</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.6</priority>
  </url>

  <url>
    <loc>https://www.planvantage.ai/blog/reading-an-sbc</loc>
    <lastmod>2026-08-18</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.6</priority>
  </url>

  <url>
    <loc>https://www.planvantage.ai/blog/pepm-pmpm-pepy-benefits-metrics</loc>
    <lastmod>2026-08-18</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.6</priority>
  </url>

  <url>
    <loc>https://www.planvantage.ai/blog/ai-in-benefits-consulting</loc>
    <lastmod>2026-08-18</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.6</priority>
  </url>

  <url>
    <loc>https://www.planvantage.ai/blog/deductible-buy-down-strategy</loc>
    <lastmod>2026-08-18</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.6</priority>
  </url>

  <!-- Trust / procurement -->
  <url>
    <loc>https://www.planvantage.ai/security</loc>
    <lastmod>2026-09-21</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
  </url>
  <url>
    <loc>https://www.planvantage.ai/methodology</loc>
    <lastmod>2026-09-21</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.6</priority>
  </url>

  <!-- Integrations: the Claude connector's public documentation -->
  <url>
    <loc>https://www.planvantage.ai/claude</loc>
    <lastmod>2026-09-21</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
  </url>

  <!-- Legal Pages -->
  <url>
    <loc>https://www.planvantage.ai/privacy-policy</loc>
    <lastmod>2026-09-21</lastmod>
    <changefreq>yearly</changefreq>
    <priority>0.3</priority>
  </url>

  <url>
    <loc>https://www.planvantage.ai/terms-of-service</loc>
    <lastmod>2026-09-21</lastmod>
    <changefreq>yearly</changefreq>
    <priority>0.3</priority>
  </url>

</urlset>
