Can you compare high-deductible health plans with traditional copay plans using current average family medical costs to see where we actually break even?
Download run
Fan-out diagram
The searches the AI actually ran for this prompt.
SEED QUERY
Can you compare high-deductible health plans with traditional copay plans using current average family medical costs to see where we actually break even?
3 real searches · 1 real-search pass
2026 average employer-sponsored family health insurance premium HDHP deductible copay plan KFF 2025 employer health benefits surveyGoogle ↗
OBSERVEDReason
2025 average family out-of-pocket medical spending employer health insurance deductible copay costs Milliman medical index familyGoogle ↗
OBSERVEDShort fact
IRS 2026 HSA contribution limit family HDHP deductible out of pocket maximum 2026Google ↗
OBSERVEDReason
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 (3)
Classes come from the query-classifier (a local Laya model). 3 of 3 calls are low-confidence (under 50%) — hover a query in the table to see its confidence.
Searches and sources
ChatGPT3 real searches · gpt-6
2026 average employer-sponsored family health insurance premium HDHP deductible copay plan KFF 2025 employer health benefits survey Google ↗
2025 average family out-of-pocket medical spending employer health insurance deductible copay costs Milliman medical index family Google ↗
IRS 2026 HSA contribution limit family HDHP deductible out of pocket maximum 2026 Google ↗
- KFF · kff.org
- 2025 Employer Health Benefits Survey · kff.org
- Publication 969 (2025), Health Savings Accounts and Other Tax-Favored Health Plans · irs.gov
- Internal Revenue Bulletin: 2025-21 · irs.gov
- How much do people with employer plans spend out-of-pocket on cost-sharing? · healthsystemtracker.org
- 2026 Milliman Medical Index · integrate.milliman.com
Queries
3 queries · click a column to sort
| Query / type | Search | Intent | Query class | Routing format | Cluster | Freq ↓ | Weight |
|---|---|---|---|---|---|---|---|
2026 average employer-sponsored family health insurance premium HDHP deductible copay plan KFF 2025 employer health benefits survey OBSERVED | Google ↗ AI Mode ↗ | — | Reason | — | — | 1x of 1 | |
2025 average family out-of-pocket medical spending employer health insurance deductible copay costs Milliman medical index family OBSERVED | Google ↗ AI Mode ↗ | — | Short fact | — | — | 1x of 1 | |
IRS 2026 HSA contribution limit family HDHP deductible out of pocket maximum 2026 OBSERVED | Google ↗ AI Mode ↗ | — | Reason | — | — | 1x of 1 |