Your Upwise recommendations are personalized to you. Here's how we come up with them.

We combine two things: the information you share in the survey, like your family composition, health needs, and financial situation, and the specific plans your employer offers. By looking at how each plan's costs and coverage line up with your needs, we suggest the options that offer the best balance of coverage and affordability for your situation.

If you're not happy with your recommendations, you're not locked in. You can select any available plan from your employer's offerings or use the Compare feature to see how your options stack up. The final choice is always yours.

Please note, Upwise's recommendations are for your consideration and shouldn't be relied on as legal, tax, investment, or financial advice.

Updated October 21, 2026 14:10