Health Insurance Optimization
Verd analyzes your health profile against every available plan using real federal data — projecting your true annual cost across premiums, deductibles, and out-of-pocket spending.
Verd Assistant: any healthcare question, answered in plain English →How it works
Our engine does in minutes what would take you weeks of spreadsheet comparisons.
Answer a short questionnaire about your health, medications, expected procedures, and household finances. Takes about five minutes.
Our engine uses Medical Expenditure Panel Survey data and CMS plan structures to simulate your spending across every available plan.
Get a clear recommendation with a detailed cost breakdown showing exactly why one plan saves you the most money.
Verd Assistant
Insurance is confusing by design. Pro members get the Verd Assistant — an AI advisor that knows your plan, simplifies your benefits, and answers any health insurance or healthcare question, any time.
Deductibles, coinsurance, prior authorization, formulary tiers — translated into plain language, specific to your plan.
From “is this covered?” to “do I need Part D?” to “what happens to my coverage if I change jobs?”
It sees your deductible progress, projected spending, and subsidies — so answers come with your dollar figures, not generalities.
What you get
Verd is your year-round insurance advisor — from initial plan selection to ongoing cost optimization.
We analyze ACA Marketplace, FEHB, Medicare (including Special Needs Plans), Medicaid, employer-sponsored plans, TRICARE, VA, and COBRA — and flag assistance programs like Extra Help and Medicare Savings Programs you may qualify for.
Track your real-time progress against your deductible and out-of-pocket maximum. Know exactly where you stand at any point in the year.
Get notified when to schedule procedures based on your deductible cycle. Proper timing alone can save thousands annually.
Monitor medication costs across plans and discover cheaper alternatives — generics, mail-order options, and discount programs.
Never miss a free annual wellness visit, FSA spending deadline, or covered preventive benefit. We keep track so you don't have to.
Got married, had a baby, or changed jobs? We re-run your numbers and tell you if switching plans would save you money.
Our data
Our projections use the same datasets relied upon by CMS, Medicare, and Medicaid — not marketing estimates or industry averages.
Medical Expenditure Panel Survey — the gold standard for healthcare cost and utilization data in the U.S.
Centers for Medicare & Medicaid Services — official plan structures, actuarial values, and benefit designs.
Internal Revenue Service — premium tax credit tables, HSA contribution limits, and subsidy calculations.
U.S. Preventive Services Task Force — preventive care schedules and covered benefit recommendations.
Why trust Verd
Verd was founded by healthcare policy specialists who spent years inside the systems that set the rules — federal benefit programs, subsidy law, and plan design. We built the engine we wished every family had: one that reads your situation the way an expert would, then shows its work.
Pricing
Start with a free recommendation. Upgrade when you're ready for year-round optimization.
Find the plan that actually costs you the least — in under five minutes, free during launch. Then keep the Verd Assistant by your side for every healthcare question all year.
Get your free recommendation→