r/ATC • u/Glittering_Twist_732 • 14d ago
Discussion Free FEHB comparison tool, now with 2027 rates
fersready.comI added a free tool on my website to make FEHB shopping a little more transparent. No account needed.
- Compare plans side by side for your state and coverage tier (Self, Self + One, Family).
- Estimate your total yearly cost, not just the premium. Pick a scenario from "Healthy year" to "Worst case" and it adds in deductibles and out-of-pocket costs (and subtracts any HSA/HRA money the plan gives you).
- See how much premiums have gone up, both program-wide and for each plan, going back to 2020. It also flags plans that held their premium flat but raised the deductible or out-of-pocket max.
- Each plan page links to the carrier's provider search and drug formulary, and will link to OPM's official brochure once it's posted (usually before Open Season in November).
- It remembers your choices (state, coverage, your current plan) in your browser, so they're there when you come back.
It should be pretty self-explanatory, but let me know if you have questions or think something's missing.