This Ben Archer Agency fit tool turns the renewal rates effective August 1, 2026 into a decision flow for the 2026–2027 plan year. Answer seven quick questions, watch your plan-fit polygon draw, then read the report.
Pick the outcome you'd optimize for if you could only pick one.
Count regular office visits, tests, imaging, and prescriptions.
Think about what shows up on your paycheck twice a month for the tier you'll enroll.
How much upfront cost are you comfortable absorbing before the plan kicks in?
HMO stays in-network; PPO gives you more flexibility.
Think about ongoing medications, not one-time fills.
This doesn't change the plan recommendation — it opens a support path.
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| Plan | Emp Only | +Spouse | +Kids | Family | Deductible | Office | Rx | OOP max | Fit |
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Every figure is your semi-monthly payroll cost after Ben Archer Agency's fixed contribution (the full Blue Advantage HMO Employee-Only premium, applied to any plan or tier you choose). Only Blue Advantage HMO Employee-Only lands at $0; richer plans and dependent tiers show the amount above the contribution that comes out of your paycheck. Deductible and out-of-pocket max shown are individual (ind).
HMO — In-network only except emergencies, usually centered around a primary care physician.
PPO — Usually costs more but gives more provider flexibility and typically no referral requirement for specialists.
HDHP + HSA — High-deductible health plan paired with a tax-advantaged Health Savings Account; you pay 100% until the deductible, then the plan covers in-network care.
Deductible — What you pay before the plan starts sharing more of the cost.
Copay — A fixed dollar amount for a service like a doctor visit or prescription.
Out-of-pocket max — The most you pay in-network during the plan year for covered medical expenses.
Step 3 · Report your election
Your election below is sent directly to your HR Administrator, Erin Archer, for enrollment in the 2026–2027 plan year effective August 1, 2026. Your recommended plan is pre-filled — change it here if you want a different plan.
Thanks for completing your assessment and election. Your results have been emailed to Erin Archer, your HR administrator at Ben Archer Agency, who will be in touch to finalize your enrollment. A confirmation copy is also on its way to your work email — keep it for your records. If you have any questions, or want to change anything before the effective date, just reach out to Erin or use the help options below.
Option 1 · No human interaction. Submit your benefits question and receive an email response within 24 hours or less.
Option 2 · Human-in-the-loop review. Coming soon — scheduled sessions with a licensed benefits advisor.