Healthcare.gov Web Plan Comparison Overlay

WHAT IT DOES

This tool transforms Healthcare.gov plan listings into a clear, side-by-side comparison view. It extracts plan names, monthly premiums, deductibles, out-of-pocket maximums, and metal tiers from the page, then displays all plans in a compact comparison table. Key metrics are shown for each plan: monthly premium, deductible, OOP maximum, and estimated annual total cost (premiums + expected out-of-pocket spending). The cheapest plan, lowest deductible plan, and lowest OOP plan are automatically highlighted. You can adjust the utilization level (Low/Medium/High) to estimate your expected out-of-pocket costs based on how much healthcare you anticipate using.

WHERE IT RUNS

The script activates on Healthcare.gov pages, including plan listings, search results, and comparison views. It automatically detects plan cards using multiple selector strategies that work across different Healthcare.gov layouts and plan display formats. The panel appears as a draggable overlay that stays accessible as you browse available plans.

HOW TO USE

Navigate to a Healthcare.gov plan listing page. The panel will appear showing all detected plans with their key metrics. Use the "Utilization" dropdown to set your expected healthcare usage — Low estimates lower out-of-pocket costs (20% of deductible), Medium estimates moderate usage (50% of deductible), and High estimates higher usage (80% of deductible). The "Total/yr" column updates automatically to show estimated annual cost including premiums and expected out-of-pocket spending. Use the "Sort" dropdown to order plans by total cost, premium, deductible, or OOP maximum. The best overall value (lowest total cost) is highlighted with a green border. The "Refresh" button manually updates the data, and "Export" copies all plan data as JSON to your clipboard.

THE TECHNICAL MECHANISM

The script employs a multi-strategy DOM extraction approach for Healthcare.gov's varied plan listing formats. It first attempts structured selectors targeting known class names like .plan-card and .plan-item, then falls back to heuristic detection of plan containers based on content patterns including "Premium", "Deductible", and "OOP" indicators. Plan names are extracted from heading elements or by parsing the first meaningful text line. Metal tier detection uses regex matching for Bronze, Silver, Gold, Platinum, and Catastrophic tiers. Premium, deductible, and OOP values are extracted using regex patterns that handle currency symbols and comma separators. The annual cost calculation combines 12 months of premiums with an estimated out-of-pocket amount determined by the utilization level: low = 20% of deductible plus 20% of OOP (capped), medium = 50% of deductible plus 20% of OOP, high = 80% of deductible plus 20% of OOP. The total is capped at the OOP maximum to reflect real plan economics. All settings are persisted using GM_setValue.

THE PANEL

The panel is fully draggable by its header and remembers its position on the page across sessions. It can be collapsed to a small bubble using the minimize button, then restored by clicking the bubble. The panel resizes automatically to fit its content and can be closed with the Escape key or by clicking the close button. The panel's position and state persist globally, so it returns to the same location on subsequent visits.

PLEASE NOTE

Requires the free BotGentz extension to run. Healthcare.gov may update its site structure, which could affect the script's ability to detect plan data — updates will be released as needed. All plan data is read from the page and displayed locally; nothing is transmitted externally. This tool is for informational purposes only and does not provide health insurance advice. Cost estimates are approximations based on the utilization assumptions you provide and may not reflect actual healthcare costs. Always verify plan details with official Healthcare.gov information and consult a licensed insurance broker for professional guidance.