Open enrollment is a short window that decides your whole year
LifQ reads your current benefits and lays your options out side by side, so the handful of things worth asking your benefits team are easy to spot.
Most people re-enroll without actually comparing options
Open enrollment happens once a year, with a deadline that waits for no one. Most people default to whatever they had last year, even when their situation or the plans have changed.
Benefit documents are dense and confusing
Summary of Benefits and Coverage documents run 20+ pages of insurance language. Most people scan the first page and move on.
You can't see your options side-by-side
Comparing three health plans with different deductibles, networks, copays, and premiums requires a spreadsheet most people don't build.
You don't know how much you'll actually spend
Premium cost is easy to see. Out-of-pocket exposure if something goes wrong is much harder to calculate.
You're making decisions without last year's data
How much did you actually spend on healthcare last year? Most people don't know. If your statements are in LifQ, the number is already there.
How LifQ turns a stack of plan documents into a short list of questions
Upload your employer's benefits guide and plan documents
Upload or snapshot the benefits document. LifQ reads the full document and extracts every plan's key data.
AI lays your options out across premiums, deductibles, copays, and networks
LifQ maps and compares all of it in plain language: premiums, deductibles, copays, HSA/FSA eligibility, and network coverage.
See the total cost picture, not just the premium
LifQ lays out premium, deductible, and what last year's usage would have cost under each plan, side by side. That is the whole number, not just the monthly line, so the comparison stays yours to make.
What you get with LifQ
Compare plans in plain language
No more decoding Summary of Benefits documents. LifQ translates them into clear comparisons.
See the whole cost, not just the premium
Premium, deductible, and copay exposure in one place, not just the monthly line.
Deadline reminders
Add your enrollment window once, and LifQ reminds you before it closes.
Walk in with the right questions
Everyone's coverage in one view, dependents included, so the things that stand out become a short list to put to your benefits team.
See it in action
Your employer offers three health plans: a low-deductible PPO at $280/month, a mid-tier HMO at $190/month, and a high-deductible HSA-eligible plan at $120/month.
LifQ lays out side by side what each plan would have cost at last year's usage: premiums, out-of-pocket, and employer HSA contributions. The totals are often nothing like the monthly premiums suggest, which is exactly the kind of thing worth putting to your benefits team before you choose.
Illustrative example. Your findings depend on your documents.
Frequently asked questions
Does LifQ work with all employer benefits systems?
Yes. LifQ works with any benefits documents you can upload: PDFs, files saved from email, or photos of printed materials. It's not connected directly to HR systems.
What does LifQ show me about HSA and FSA?
How the two accounts differ, what your household actually spent on healthcare last year, and the current IRS limits, side by side. Which one fits your situation is a question for your benefits team.
What if I miss my open enrollment window?
If you miss open enrollment, you typically can only change plans during a qualifying life event (marriage, new child, job change). LifQ has no way to know when one of those happens to you, so add the window as a reminder when it does and LifQ tracks it from there.
Can LifQ remind me when open enrollment starts?
Yes, once you tell it the dates. Your employer's enrollment window is not printed on any document LifQ reads, so LifQ cannot find it on its own. Add it once and you get a reminder before it opens, with your current benefits already in one place to look at.
Go into open enrollment knowing what to ask
Join LifQ and spend 15 minutes seeing your options laid out instead of 15 days second-guessing them. Your benefits team answers the questions; LifQ makes sure you know which ones to ask.
See my benefitsFree during beta. Limited spots available.