# Compare Health Plans Using Your Own Claims

Use your claims to prepare a health plan comparison: list the providers, prescription fills, and services in your available history, then compare them with the plan options you supply. Flexpa can share authorized claims from a supported plan with your assistant. Use the summary as a starting point, not a prediction of next year's costs.

How it works: Choose a source -> Authorize access -> Available records -> Compare options. Suggested review workflow. Connect a supported source, authorize access, and check the returned records before acting on an AI summary.

## What to pull from your claims

- The doctors and facilities you used, to check against each plan's network.
- The prescriptions you filled, to check against each plan's drug list.
- The visits and services in your available claims, with reported patient responsibility kept separate from confirmed payments.

## How to compare

### Steps

1. Follow the Flexpa setup guide for your compatible assistant and connect a supported current plan.
2. Ask for a summary of available claims from last year, with providers, prescription fills, and reported cost-sharing.
3. Provide the current benefit documents, premiums, provider directories, and drug lists for the plans you are considering.
4. Ask for a side-by-side checklist of differences and missing information. Confirm current networks and drug coverage with each plan.

## Keep the comparison limited to its inputs

Ask your assistant to identify missing claims and plan details. Treat any cost comparison as a scenario based on the records and assumptions shown, not a promise about future spending.

## What you can ask

- Summarize my care and costs from last year for open enrollment
- Which doctors did I see most often?
- Compare these plan documents against my claims history and list what I need to confirm

## Questions

**Can AI help me compare health plans?** AI can organize your available claims history and compare it with plan documents you supply. Use Flexpa to share authorized records from a supported plan, then confirm coverage details directly with each prospective plan.

**What data should I use to compare health plans?** Start with available medical and pharmacy claims, then supply the current benefit documents, premiums, provider directories, and drug lists for each plan. Keep past patient responsibility separate from any estimate of future costs.

**Will my claims predict next year's costs?** Treat a claims-based comparison as a scenario, not a forecast. Ask the assistant to state assumptions and missing information, and confirm the plan terms before choosing coverage.

## More

- [Track your deductible with AI](https://www.flexpa.com/track-deductible-with-ai)
- [Prescription history and costs with AI](https://www.flexpa.com/prescription-history-and-costs-with-ai)
- [Benefits navigation (for companies)](https://www.flexpa.com/solutions/benefits-navigation)
- [Set up health records for your AI assistant (docs)](https://www.flexpa.com/docs/guides/agents)
- [Claim amounts and deductible calculations (docs)](https://www.flexpa.com/docs/guides/financial)
- [Claims data guide (docs)](https://www.flexpa.com/docs/guides/claims)

Last updated 2026-11-11.