How it works

Your plan information.
A clearer way to compare it.

CYB guides you through the financial and coverage information in your health-plan options, organizes it consistently, and shows you the differences side by side.

Start My Comparison

$19.99 one time · Six months of access · No automatic renewal

Different formats. Organized for comparison.

Three stages. Your information stays at the center.

Start with your options

Tell CYB what you're comparing.

Start with the health-plan options available to you. They can come from one employer or two, and you can compare coverage for yourself, your spouse or partner, or your family.

Enter the information from your enrollment materials. CYB walks you through the details needed for the comparison.

Premium

What you'll pay and how often it's charged.

Deductible

The deductible for the coverage level you're comparing.

Out-of-Pocket Maximum

Your stated in-network out-of-pocket limit.

Employer Contributions

Employer HSA, HRA or FSA contributions.

Premium Surcharges

Additional premium costs when applicable.

Cost Sharing

Copays, coinsurance and after-deductible costs.

Plan A

PPO

Premium

Deductible

Out-of-Pocket Maximum

Copays

Plan B

HDHP

Premium

Employer HSA Contribution

Deductible

Out-of-Pocket Maximum

Coinsurance

Information from different employers isn't always presented the same way.

Understand the financial differences

Different formats become easier to compare.

Health plans don't always present financial information the same way. CYB organizes the information you've entered into a consistent comparison across your available options.

Premiums can be presented weekly, biweekly, twice monthly, monthly or annually. Employer contributions and applicable premium surcharges can also affect the financial picture. CYB keeps those pieces distinct while presenting the plans on a consistent basis.

Same categories. Consistent presentation. Your decision.

CYB shows financial similarities and differences without ranking your plans or deciding which option is right for you.

Look beyond the numbers

Compare the coverage that matters to you.

Financial differences are only part of a health-plan decision. Choose the benefits you want to examine and compare the available coverage information across your plans.

Autism / ABA Therapy

Infertility

Weight-Loss Medications

Browse All Benefits

For the benefits you select, CYB can help you compare details such as coverage, cost sharing, service or visit limits, and authorization requirements based on the information you provide.

Looking for something else? Browse the broader benefit library to select other coverage areas you want to compare.

When coverage gets more complicated

Not every decision is simply Plan A versus Plan B.

CYB can also help organize comparisons when your coverage options involve more than choosing between plans from a single employer.

Covering a family?

When family members have access to coverage through more than one employer, CYB can help you explore keeping everyone together or using different coverage arrangements.

Together

One coverage arrangement

Split

Different family members on different available coverage

Explore split coverage when applicable →

Coverage Transition — Coming Soon

This comparison experience is not available yet.

COBRANew Employer CoverageSpouse / Partner PlanMarketplace CoverageOther Coverage

Your comparison

Your information, organized for your decision.

As you work through CYB, your plan information comes together in one place so you can review the financial and coverage differences before you enroll.

Financial Comparison

Review premiums, deductibles, out-of-pocket limits, employer contributions, premium surcharges and cost-sharing information together.

Coverage Comparison

Review the benefits you've chosen to examine across your available plans.

Clear Side-by-Side View

See your information organized in a consistent format to easily identify similarities and differences.

Save & Return

Save your work and return throughout your six months of access as you gather information or reconsider your options.

CYB doesn't rank your plans, select a winner, or tell you which plan to choose.

It gives you a consistent way to see the information in front of you.

We compare. You decide.

Ready to compare?

Bring your options together.

Compare up to four coverage options and take a closer look at the financial and coverage differences.

We compare.
You decide.

$19.99

One-time payment

  • Compare up to four coverage options
  • Financial and coverage comparisons
  • Save your work and return later
  • Six months of access
  • No automatic renewal
Start My Comparison

One payment · Six months of access · No subscription