Pelandri Blog
Health insurance plan optimization — find the plan that minimizes your total annual healthcare cost.
How Pelandri's Plan Optimizer Actually Works: The Math Behind Smarter Health Insurance Choices
Most people pick a health plan by staring at premiums and guessing. Pelandri runs Monte Carlo simulations across 10,000 health expenditure scenarios to find the plan that actually costs you least. Here's how the math works.
Read more →Your 2026 Open Enrollment Checklist: 7 Numbers You Need Before Choosing a Plan
Open enrollment decisions made in 15 minutes cost families an average of $1,500/year in avoidable spending. These 7 numbers take 30 minutes to gather and save you from picking the wrong plan.
Read more →HDHP vs. PPO: When a High-Deductible Plan Actually Saves You Money (Calculator Inside)
Your coworker says the HDHP saved them $2,000 last year. Your friend says they got burned by one. They're both right — the break-even depends on 4 variables that are different for everyone.
Read more →The Prescription Drug Coverage Trap: How Formulary Tiers Cost You Thousands
Your plan covers your medication. But 'covered' can mean $10/month or $200/month depending on which formulary tier it lands on. Here's how to decode the system before open enrollment closes.
Read more →Medicare Plan Selection: Why Most 65-Year-Olds Choose Wrong (And How to Fix It)
There are 3,834 Medicare Advantage plans in the US. The average beneficiary has 43 options. Research shows most pick based on brand recognition, not cost — and overpay by $1,200/year as a result.
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