Open enrollment, decoded.
Start free with your benefits guide. Upgrade when you want the answers.
Decoder Lite
$0
Understand what you're looking at
- Upload your benefits guide
- Every benefit in plain English, with each term defined
- The total yearly cost of each health plan
No signup
Full Decoder · one time
$49
Know exactly what to pick
- Everything in Lite, plus your personal dashboard
- The health plan that saves you the most, in dollars
- Your HSA, FSA and 401(k) amounts, so you never miss the match
- Life, disability, ESPP, dental, vision and add-ons: keep or skip
- A checklist for your enrollment site, saved as a PDF
No subscription · 14-day refund
Every decision in your guide, in one place
Your dashboard covers whatever your employer offers.
Health planWhich one costs you less
HSA & FSAHow much to set aside
401(k) matchThe % that gets all of it
Life insuranceHow much you need
DisabilityPre-tax or after-tax
Stock planWhat the discount is worth
Dental & visionWorth it for you, or not
Add-ons & commuterKeep, skip, or set aside
How it works
Upload your guide Free
The PDF from your HR site, or photos of the pages. No signup.
Read it in plain English Free
Every plan and option, with the jargon explained and what each health plan costs for the year.
Unlock your dashboard $49
Answer a few simple questions about you and see exactly what to pick, how much to put in, and what to skip.
Questions
Is this financial advice?
No. It's education and math. We show what each option costs with the numbers in your guide and the answers you give, and explain how it works. Your plan documents are always the final word, and a licensed professional can give personal advice.
What happens to my benefits guide and answers?
Your guide is sent securely to be read by AI, used only to pull out your benefits details, and not stored by us. What it finds, and everything you type, is saved only in your own browser on this device so you don't have to start over. You can clear it any time from your dashboard.
What if I don't have my benefits guide?
Your HR or benefits site usually has it as a PDF, often called a "benefits guide" or "enrollment guide." You can also take photos of the pages, or type in the numbers from your enrollment site.
Do I have to upload my guide again after I upgrade?
No. If you upgrade on the same device and browser, your dashboard picks up the guide you already uploaded.
My enrollment deadline already passed. Is this still useful?
Yes, if you're starting a new job or have a life event like a marriage or a new baby. Those open a window to change your benefits mid-year.
Can my spouse and I both use it?
Yes. The full Decoder is for your whole household, so you can decode both employers' guides.
What if it's not for me?
Email us within 14 days for a full refund. No questions asked.
Not sure yet? Decode your guide free, then decide.
Decode my guide freeComing in 2027: a short course on your whole benefits package. Join the list