BenefitCompare Help Video

How To Use the BenefitCompare Tool - Webinar

Our goal at BenefitCompare is to create an effortless user experience for health insurance brokers when comparing plans for their clients.  We have a simple user-interface, extensive help resources, and unlimited customer service to help you in navigating the tool.

3 Ways To Input Census Data

The census starts your client file on BenefitCompare and is required to use our budget and reporting tools. When deciding to add a census, you have three different ways to get census data into the system quickly & easily.

Import File

If your existing census data is saved as a file on you computer, you can get your file’s data into the Benefit Compare system by clicking “Import File.” it will accept Excel spreadsheet (xls, or xlsx) files.  

Add Clipboard

If you have existing census data as text, you can copy the text to your computer’s clipboard and click on the “Clipboard” option where you’ll be able to cut-and-paste a tab-defined or csv file. Easy formatting instructions are on the following page.

Typing In A Census

If you only have a few people in your census, the easiest way might be to manually input your data. Click on the “Type Census” button and follow the direction on the following page.

BenefitCompare User Guide for Agents/Brokers

To begin using BenefitCompare, you will need to register.  You can start this process by clicking on the green “Free Trial Signup” button.

Proceed to enter your First Name, Last Name, Company Name, Email Address, and then create a Password.  You will receive this message (below) once completed and can “click here” to continue.

Then log in with your newly created username and password.

Choose the “+new client” button and then add the census for the group you’re quoting.

Click on “New Company” on the top left corner to fill in the company profile details.

Now you can edit the the information about your company.

Click next to start filling out your census.

To add a census, you can do this in one of 3 easy ways: by importing a File, using the Clipboard (Copy-and-paste census fields directly from a spreadsheet or text file), or you can manually type/enter the Census of employees.

If you choose to type the information yourself, you will enter the employee’s first name, last name, date of birth, zip code, and email. 

If you have employees with dependents, click on the “Dependent +” button on the menu to the left. Each employee’s dependent will need to be added in the same format – dependent’s first name, last name, date of birth, zip code, and email. Use the indent and outdent function to toggle between employee and dependent.

Select Current Plan:

You will then have the option to “Select [their] Current Plan” by clicking the link to the right of each employee/dependent.  This will provide a point of reference when comparing/viewing other plan options.

The health plan options may seem daunting, but you can “unselect“ the checkboxes and select exactly what they currently have: 

  • Carrier
  • Market
  • Plan Type
  • Metal Tier

You can choose to select one plan if all employees are on the same plan or you can individually select each health plan for each employee.

Once you have the company’s employees entered (and dependents, if applicable) and select their current plan, you will select “next” to move to the next screen.

Create a Portfolio of plans for your client.  

Creating a Plan Portfolio

You have complete flexibility to create a portfolio of products for your client to review.  Employees ultimately choose their plans from the portfolio which you compile, so you may want to offer a few diverse options to suit varying needs.

You can choose as many plans as you want for the quote.  Think about adding an HMO, PPO, and HSA option for the client to view the benefits and cost options.  

You can change the carriers you view by clicking on “All Carriers” and electing the carrier(s) you would like to view to narrow down the options (since there are over 400 plans to choose from).

Rate Adjustment

After you’ve selected the plans of your choice. BenefitCompare will configure the rate adjustment.

On the left side, you will be able to see if there are any conflicts with the plans that you have chosen. If there are red crosses on any plan, this indicates incomplete rate data and you will need to remove that plan or replace it with one that is valid.

Now, set a monthly premium percentage contribution for your client’s employees.

Budgets and Contributions

Allocating Dollars to Employees

One of the strongest features of BenefitCompare is the budgeting (cost sharing) tool which provides for premium contributions which are reflected across all reports.

You can choose what percentage the employer pays for the employees and dependents.  Once you do this, click the employee link to change the contributions for the employees and dependents.  You can change this as much as you want so the client can get a feel for the cost options. 

Additionally, you can click on “your current plan premium” to toggle between your current plan, pick a plan, or as a percentage of any plan.


After the budget configuration, BenefitCompare will compile all of your information into a user friendly report.

All the plans that have been chosen will be displayed side by side for comparison. The deductible, maximum, copay, coinsurance, and pharmacy copay will be displayed adjusted for contribution. The member premium section will display the employees’ and dependents’ contributions.  Here you can add more members as needed. 

Click on any of the names and an estimated minimum, maximum, and average of each of the plans will display.

The “Benefits Budget” section will display the total premium cost, the employer contribution, and the employee contribution. Use the slider on the right to adjust the percentage of contribution by both parties.

Finally, unique to BenefitCompare is the Claims Model. This graph displays your best option including the probability of Low, Medium, and High usage of the plans regardless of how many employees are under said plan. Then it calculates the likelihood of one, two, or multiple claims. Using this information, the graph will display which plan is the best option at various claim levels from zero to high.

Access Codes for Employee Profile Questionnaire

At any point in the process, you can click the HOME button (bottom left of page) and then click on the company you’re currently working on, and it will display the list of employees in the census and the access code assigned to each employee.  You (the agent) can provide these access codes to the employees or give them to the Employer to give to his/her employees for when they log on to to complete the questionnaire.

Having employees log in and fill out their own anticipated medical claims history will allow BenefitCompare to make recommendations based on their own personalized needs (health and budget).  They will be able to view the amount that their employer is contributing, along with the plan options available to them.  If they have any questions, there is another User Guide available for Employees (available on our Help resource page and on our Blog:, video instructions, and many more help resources listed on the site.

NOTE:  If the employee logs in with their Access Code, filled out the profile questions, and added a plan to their Cart from their list of recommended (or other) plans offered, it will display their selection when you are logged into your broker account and viewing that company overview.  It will show to the right of the employee’s name under “Selected Plans”.

Help Resources and Customer Service

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Ph: (888) 912-7587

Support Email:
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BenefitCompare User Guide For Individuals

It’s time to choose a health insurance plan. The BenefitCompare tool is going to make it easy for you to choose the plan that most effectively covers your claims at the lowest cost.

When you enter your household earnings, the BenefitCompare tool will help you determine if you qualify for a state subsidy that will reduce your monthly net cost.  That number is calculated and will be displayed.

Once you create your profile, you’ll be answering a few short questions.  By understanding your anticipated medical expenses, BenefitCompare will point you to the plans that are most suitable to your needs.

A few facts to consider when navigating the tool:

  • Nearly a quarter of people under 40 years of age, have no claims at all.
  • For those who do, the median medical expense is about $1000 per year.
  • For people over 40 years of age and older, 11% have no claims and the average amount for those who do is around $2500 dollars each year.

And remember while thinking of your monthly cost, the higher your deductible, the lower your premium.

The entire process will only take minutes minutes and all your answers are confidential.

BenefitCompare Employee User Guide

To begin the process, go to and use the Family Log In to enter your last name, birthdate and secret code (which is provided to you by your Broker).

At the bottom of the page, you will see the following choices:  Start, Profile, Household, Profile, Medical, Review, and Finish.  You will continue each step by selecting the NEXT button at the bottom right of the page.  If at any time you need to move to another section, you can use the bottom navigation buttons.

You will be creating your Profile with a short survey about your health history (that takes less than 5 minutes).

Household and Dependent Information

Start by entering your household information.  Add any dependents you want on your plan, including their names, birth dates and zip codes.  With the ACA, health insurance carriers now have a rate for each person on a health plan (i.e. Employee, Spouse, or Child) so they need these additional details for each person you are quoting.

NOTE:  Entering your household income is optional.  If you choose to include your Income in this section, BenefitCompare can also calculate the approximate subsidy you might qualify for on the Covered California (ACA) marketplace for Individual enrollments.

Next up, you will answer a short series of questions in the “Your Profile” section, which will enable the system to evaluate the cost of different health plans for you.  You will need to answer the following questions:

Are you (or a dependent) expecting to be pregnant this year?

Do you have a planned surgery for this year?  No?  Outpatient?  Inpatient?  Inpatient over 3 days?

(Next, you have the option to decline health coverage at this point if you would like.  If you continue, the system will help you narrow down plan options and find the best option for you)

Do you already have health coverage through a spouse or parent?

Are you generally healthy, having low and infrequent medical costs?


Now that you entered in all of your information (including any dependents), BenefitCompare will help you choose the best health plan for your needs.  In this section, you will see the health plan that BenefitCompare finds to be the best fit for your budget and medical claims.

Additionally in this section, you can manually update Doctor Visits, Hospital, and Prescription Costs.  If you know what your yearly expenses are, it would be best to enter them so that BenefitCompare can truly capture the best plan for you.   

The best plan and the lowest premium plan will be displayed.

BenefitCompare will help make the plan choices easy to understand.  And if your Employer is offering such benefits, you can also select any Voluntary products at this point, such as Dental and Vision.

Once you choose what plan you want, you would select “Add To Cart”.  

Review you product selection and then click “Next” to send your choices to your Broker.  That’s it!  Congratulations!

PLEASE NOTE:  This process does NOT enroll you automatically in a health plan, it sends the selected health plan to the broker so they know which plan you have selected.