What are the primary differences in coinsurance rates and deductible accumulators when moving mid-year from an individual PPO to a family high-deductible health plan?
Download run
Fan-out diagram
The searches the AI actually ran for this prompt.
SEED QUERY
What are the primary differences in coinsurance rates and deductible accumulators when moving mid-year from an individual PPO to a family high-deductible health plan?
2 real searches · 1 real-search pass
Badge and edge weight = share of passes that produced the query. Hover a query for its intent and routing format.
Query classes
Google's semantic query class for every sub-query: what kind of answer each search is after, simulated vs real.
ChatGPT real searches (2)
Classes come from the query-classifier (a local Laya model). 2 of 2 calls are low-confidence (under 50%) — hover a query in the table to see its confidence.
Searches and sources
ChatGPT2 real searches · gpt-6
mid-year switch individual PPO to family HDHP deductible accumulator credit prior deductible spending employer plan change coinsurance Google ↗
IRS 2026 HSA HDHP family deductible embedded individual deductible rules Google ↗
- Transfer of accumulated amounts from a PPO to an HDHP midyear · wtwco.com
- Deductible Credits · help.justworks.com
- Publication 969 (2025), Health Savings Accounts and Other Tax-Favored Health Plans · irs.gov
- What are Health Savings Account-eligible plans? · healthcare.gov
- Mid-year Health Savings Account Changes · umb.com
Queries
2 queries · click a column to sort
| Query / type | Search | Intent | Query class | Routing format | Cluster | Freq ↓ | Weight |
|---|---|---|---|---|---|---|---|
mid-year switch individual PPO to family HDHP deductible accumulator credit prior deductible spending employer plan change coinsurance OBSERVED | Google ↗ AI Mode ↗ | — | Consequence | — | — | 1x of 1 | |
IRS 2026 HSA HDHP family deductible embedded individual deductible rules OBSERVED | Google ↗ AI Mode ↗ | — | Reason | — | — | 1x of 1 |