Product updates

The Carrier's Numbers Beside Yours

Record what the carrier quoted, from a fully insured renewal ask to stop-loss premiums, deductibles, and contract basis, and see it next to the figures your projection uses, with the gap in dollars and points.

Sharper Partial-Year and Level-Funded Math

Trend now follows the months of experience you actually loaded, with a per-period override. Level-funded renewals add projected components by plan and tier, the implied current expected claims, and an aggregate corridor applied after credibility blending.

Refresh Without Losing Your Work

Refreshing a projection keeps the experience months and inputs you entered by hand, and the Refresh Data dialog tells you what each option brings over before you click.

Know What You Delivered

PlanVantage records each renewal export you deliver, flags a projection whose numbers no longer match what the client received, and asks you to confirm before you send a replacement.

Decks in Each Funding Arrangement's Terms

Fully insured and level-funded dashboard decks now tell their own story: premium against claims for fully insured lines, and the claims fund and rate components for level-funded lines.

A Clearer Year-over-Year Slide

The year-over-year slide answers why gross claims changed, and its drivers now include the effect of members moving between richer and leaner plans.

Carrier Quotes on Exhibits

Mark an exhibit column as the carrier's quote so it stands apart from your options. Exhibit rows use each funding arrangement's own labels, such as Total Premium for fully insured or Claims Funding for level funded.

Actuarial Equivalence Test

When a plan does not pass the simplified method, run the actuarial equivalence test: set one group of assumptions, value every plan against the standard Part D benefit at once, and export the results to Excel.

Plan-Design Checks

The AV Model flags plan designs that contradict themselves, such as a copay above the out-of-pocket maximum, drug tiers out of order, or a primary care visit that costs more than a specialist visit. Extraction raises the same flags before you import.

Contribution Groups as a Differential

Define a contribution group relative to another, such as $50 less or a percentage of it, and its amounts update whenever the anchor group changes.

Multi-Sheet Census Workbooks

Upload a census workbook with several tabs, choose the sheet to read, and preview its column headers first.

AI Fill for Fully Insured Lines

AI Fill reads a fully insured renewal exhibit onto its dashboard line, and gap-fill proposals for multi-line files name the dental or vision line they apply to.

Extraction That Shows Its Work

When extraction converts a value on the way in, such as a PMPM rate restated as PEPM, the review screen says what it did. A plan document that describes a gatekeeper or narrow network prompts you to calibrate the manual rate yourself.

Model Picker and Thinking Dial

Choose which AI model to use and how hard it thinks (Quick, Balanced, or Thorough) from Settings or right in the chat composer. Document extraction follows your choice too.

A Faster, More Careful Assistant

The assistant reads several attachments at once, previews grid changes before it writes them, remembers what earlier chats changed on a scenario, and leaves rate proposals on the Rates tab for your approval.

Sign Up and Guided Workflows in the Connector

New users can create a PlanVantage account from the connector's sign-in screen, with a setup guide to follow. Guided workflows, such as building a projection or updating experience, are now built into the connector.

Smaller Improvements Throughout

Refinements across the app that make everyday work smoother.

• Manage your share links from Home
• Drag to resize grid columns
• Present a deck starting from any slide
• Import a scenario's plans from an AV model or a document
• Choose Current or Proposed values when importing into a dashboard
• Clearer feedback when a paste changes nothing
• A prompt to reload a stale tab, and a guard for unsaved work

Fully Insured Renewals Side by Side

Every fully insured renewal assumption (trend, pooling point, pooling charge, retention, manual rate, and credibility) shows a suggested value, the carrier's figure, and your override, with the difference under each result.

Load Carrier Renewals Into a Projection

Pull a carrier's fully insured renewal, current rates, level-funded components, claims experience, large claimants, stop-loss terms, and census enrollment into a projection with AI, and review each value before it is applied.

Projection Export With Live Formulas

Export a projection to Excel with live formulas on the experience, large claimant, and claims projection sheets, so you can trace the math and change an input in the workbook.

Create a Scenario From a Projection

Turn a renewal projection into a status-quo scenario in one step, with rates, fixed costs, and contributions carried over, and start modeling plan changes right away.

Build and Present the Deck

A new Slides tab lets you reorder or hide slides, choose which lines appear, and add your own title and text slides, with an AI-drafted summary to start from. Present full screen or download a PDF.

Live Share Links for Decks

Share a plan-year deck through a live link that always shows current data, with an optional expiration date.

Year-over-Year Cost Drivers

The year-over-year slide breaks the change in cost into drivers, such as enrollment growth, plan and tier mix, trend, and fixed costs, and the multi-year slide compares each year with market trend.

Compare Versions, Enter Data Faster

Compare two claims-experience versions cell by cell, including large claimants. Enter data with Excel-style copy, paste, and fill, run AI Fill from several files at once, and spot versions that still have months missing.

Creditable Coverage Module

A new Creditable Coverage module tests each plan's prescription drug coverage against the CMS simplified determination for Medicare Part D and exports the results to Excel.

Funding-Aware Scenario Inputs

Scenarios gain an Inputs tab that understands funding type: model specific stop-loss with lasers and admin fees by tier or plan, pull those terms from a document with AI, and hide the tabs you don't use.

The Assistant on Every Page

Open the assistant from any page and @-mention the scenarios, dashboards, and projections you mean. It asks before deleting anything, you can undo a run in one click, and chat history is grouped by client.

In-App Help Center

A new Help center has tutorials matched to your plan, a glossary of benefits terms, and a keyboard shortcuts page, and the assistant answers how-to questions from those tutorials.

More File Types, Longer PDFs

Upload Excel, Word, and PowerPoint files and PDFs up to 300 pages. Funding extraction now captures admin fees by tier or plan, which plans each fee applies to, and aggregate stop-loss claims factors.

A More Useful Client Home

Each client's home page opens with recent items, a plan-year health summary, and an enrollment snapshot, and long client lists load much faster.

A Leaner Connector

The MCP connector now offers a smaller, consistent set of find, get, manage, and delete tools, plus new tools for monthly experience updates, dashboard metrics, Creditable Coverage, AV models, and loading data into projections.

Smaller Improvements

Refinements across the app that make everyday work smoother.

• Import stop-loss and admin fees into a dashboard from another module, a document, or another client
• Folders for exhibits, and Duplicate from the sidebar
• Spreadsheet-style editing and Excel upload for projection experience and large claimants
• Bulk percentage increases and a PEPM calculator on the self-funded renewal tab
• Warnings when a prior-year dashboard link looks wrong
• Copy Current Contributions and Duplicate for contribution options
• 2027 IRS and ACA limits in compliance checks

Multi-Level Extraction Rules

Layer extraction instructions at the plan sponsor, scenario, and document level. Rules cascade so you can set defaults once and override only where needed, with a new UI to manage the hierarchy.

Confidence Flags & Extraction Notes

Every extracted plan field now carries a confidence signal. The redesigned Extraction Notes tab surfaces flagged values with a summary view, making it easy to spot fields that need a closer look.

More Accurate Plan Detection

Improvements to how documents are scanned produce more accurate plan lists on complex multi-plan PDFs and benefits summaries.

Faster Follow-Up Extractions

Subsequent extractions on the same document return noticeably faster, especially during back-and-forth refinement and reprocessing.

Per-User Processing Queues

Document and contribution extraction now run on a per-user queue. Upload a batch and items process in order without one heavy user blocking another. Queued items show a clear status while they wait their turn.

Higher Document Limits

Per-sponsor document limit raised from 50 to 1,000 to support customers with deep historical libraries and large book reviews.

Stop Button for Agent Chat

Cancel a long-running agent conversation mid-loop instead of waiting for it to finish. Canceled and failed states are now visually distinct, and errors surface inline with detail.

Contribution Option Selector

When running a migration, choose which contribution option to use for the estimate. The selector stays visible (disabled when no options exist) with clearer helper text so the flow is obvious from the start.

More Realistic Enrollment Projections

Migration estimates now produce more realistic enrollment shifts, especially when the proposed lineup differs meaningfully from the current plans. Employees move toward better-value options instead of staying anchored to look-alikes.

Non-Embedded Deductible & OOPM

The deductible and out-of-pocket-max model has been refined. The "non-embedded" type replaces the older type-family concept with clearer, unbundled semantics: what you select is what you get, with no hidden coupling between deductible and OOPM behavior.

• Stronger form labels for easier scanning
• Radio button explanations moved into hover tooltips for a cleaner form
• Family-tier copy reworked to match the new model

Persistent Across the Workflow

Subgroup comparison settings (baseline group, comparison toggle, and group management permissions) now carry through scenario clones, contribution option imports, and undo/redo snapshots. Comparison columns also appear in contribution model exports.

Status Quo Editable in Rate Override

When rate override mode is on, Status Quo assumptions remain editable so you can run override comparisons without losing your baseline inputs.

Stable Auto-Calc Fixed Costs

Auto-calculated fixed costs in the summary are now held constant at the base PEPM across scenarios, so changes elsewhere don't cause unintended fixed-cost drift.

Census Download

Download the active census directly from the census dialog. Boolean criteria dropdowns now correctly display false and 0 values instead of falling back to "Select".

Faster Cell Navigation

Enter-to-next-cell navigation extended to difference, comparison, and cost-share percentage cells, matching how rate and contribution tables already work.

Numeric Cell Polish

Stronger selection shading on editable result cells, long names now stay readable on hover instead of being clipped, and a tighter header card layout throughout.

Plan Document Rules Tool

New tool for updating plan document extraction rules from the MCP connector. Queued status, group management permissions, and processing group fields exposed to agents.

Platform Maintenance

API documentation expanded to cover plan document rules and account endpoints. Routine dependency upgrades across the platform.

OpenAI Responses API

Agent tool-use conversations now use server-side state via previous_response_id, eliminating redundant token usage on follow-up iterations. This reduces cost and latency for multi-step agent operations.

GPT-5.4 Compatibility

Full support for OpenAI's latest GPT-5.4 model with reasoning effort parameters for agent requests.

Per-Iteration LLM Logging

Each agent loop iteration now logs individually with tool call details, enabling better debugging and cost attribution for complex multi-step operations.

Cross-Model Agent Tools

Agents can now access tools across plan, rate, contribution, and summary models in a single conversation, enabling complex multi-model operations.

Tier Name Management

New agent tool for setting scenario tier names directly from chat, plus automatic enrollment redistribution when tier structures change.

Stuck Loop Detection

Agent loops now detect when consecutive write operations keep failing and bail out early instead of burning tokens on repeated failures.

Dependency Updates

Routine dependency upgrades across the platform.

Agent Prompt Enhancements

Added census, export, M&A, and MCP guidance to agent system prompts for more contextually aware responses.

Census Data Integration

Upload and analyze your employee census data directly within PlanVantage. The system uses AI-powered mapping to automatically match your census file columns and values to your scenario's rate plans and tiers.

• Smart Column Detection: Automatically identifies plan, tier, age, salary, hire date, and other demographic columns
• AI-Powered Mapping: Intelligently maps census values to your existing rate plans and tier structures
• Flexible Filtering: Exclude specific plan or tier values from enrollment calculations
• Opt-Out Tracking: Recognizes waived/declined coverage entries and tracks opt-out counts separately
• Enrollment Migration: Use AI to help migrate employee enrollments when switching to proposed plans
• Contribution Group Criteria: Define employee segments for contribution modeling

Current vs. Proposed Plan Comparison

The Plan Model now supports organizing plans into Current and Proposed sections, making it easier to compare existing benefits against renewal options.

• Customizable section headers for current and proposed groupings
• Clear visual separation between plan sets with section banners
• Copy plans from current to proposed while maintaining a visual link
• Add, import, or upload plans directly into either section
• Toggle back to combined flat view when preferred

Bulk Data Export

Export all your data across plan sponsors and scenarios for external analysis or reporting.

• Plan Designs CSV: All plan design parameters, tier configurations, cost sharing details, and AV results
• Rates & Contributions CSV: All rate plans, tier rates, enrollment counts, HSA amounts, and contribution amounts

Maintain Base Tier Ratios

When your proposed plans use a different tier structure than your current plans, a new Maintain Base Rate option ensures consistent employee-only rates while recalculating family tier ratios.

Refreshed Header Design

Streamlined navigation with back button, cleaner scenario name display with inline editing, and reorganized action buttons for Share, Export, Census, and AI Chat.

Enhanced Model Navigation

Tab-style navigation between Plan Designs, Rates, and Contributions with consistent styling across all model views and improved loading states.

Contribution Model Updates

Section headers now show enrollment totals, improved group and option management dialogs, and better handling of contribution group criteria display.

Excel Export Enhancements

Plan Model exports now properly handle current/proposed sections with appropriate sheet organization.

Performance Optimizations

Improved data loading for scenarios with large numbers of plans.

API Additions

New endpoints for census management, AI model configuration, and bulk data export.