A Acme Industrial 2026 OPEN ENROLLMENT
Step 1 of 5
00:00 A Guided by Ava
Acme Industrial · 2026 benefits

Welcome,
Sarah.

I'm Ava. I help Acme run its benefits program. Let's get you set up in about four minutes — it'll be faster than reading the plan docs, and I'll show the math as we go.

312 Acme teammates enrolled this week Average time: 3m 47s Pause anytime — we'll save your progress

Your answers stay with Acme's HR system. Keel doesn't share with insurance carriers until you approve.

Step 1 · About you

Let's start with you.

Most of this is pulled from Acme's HR system. Edit anything that's off and I'll update my recommendation.

The basics
You From Workday
Sarah Chen Forklift Operator II · 4 years at Acme
Income From payroll
$68,400 / yr Bi-weekly · 26 paychecks
Where you live From HR
Dallas, TX Carrollton facility
Your medical plan From HR
Acme HDHP Bronze $3,500 deductible · HSA-eligible
Family on your plan From HR
Alex Chen (spouse, 36) · Ryan Chen (child, 7) Covered since 2022
Three quick questions
About how often does anyone in your family see a doctor each year?
Anything planned in 2026 that we should account for?
What worries you most about a medical bill?
Step 2 · Running the numbers

Hang tight, Sarah — building your plan.

I'm pulling Acme's plan designs, checking Dallas-area costs, and running a few scenarios for your family.

Acme HDHP Bronze plan design Dallas claims benchmarks Coworker choices (anonymized) Unum · Aflac · Guardian rates Texas tax treatment
Loading your Acme HDHP Bronze plan design step 1 / 6
Pulling Dallas-area ER and hospital cost benchmarks step 2 / 6
Checking what 23 coworkers in your income band chose step 3 / 6
Running 14 scenarios for a family of three step 4 / 6
Testing Hospital Indemnity + Accident bundle step 5 / 6
Writing your recommendation in plain English step 6 / 6
Step 3 · Ava's recommendation 91% confident

I think Hospital Indemnity + Accident is the right fit for you and your family.

$20
from each bi-weekly paycheck
Annual cost
$520 / year

Your Acme HDHP has a $3,500 deductible — that's what you'd pay out of pocket before the medical plan starts covering things. For a family with a 7-year-old, that gap is the expensive problem: one unexpected hospital stay or a broken arm on the playground and you're writing a big check.

Hospital Indemnity (Plan B) pays you $2,000 cash if anyone on your plan gets admitted. Accident coverage pays $750 for an ER visit and extra for specific injuries. Together, for about $20 per paycheck, they close most of that $3,500 gap. You'd come out ahead after a single ER visit — and with a 7-year-old, those happen.

Hospital Indemnity · Plan B (Unum) $14 / paycheck
Accident Coverage · Base (Aflac) $6 / paycheck
Total from each paycheck $20
Your next paycheck $2,108
Voluntary deduction
$20.00 was $0.00
Cash coverage if admitted
$2,750
$0 $46
Step 3 · Compare your options

Three ways to go.

I built these three options for your family. The middle one is what I'd pick, but you know your situation best.

Skip it

Medical only, no add-ons
$0
/ paycheck
HDHP medical covers major events (after $3,500 deductible)
No cash help for hospital stays or ER visits
Full deductible out of pocket on first admission
If Ryan breaks his arm: you'd owe ~$2,800 out of pocket until the HDHP kicks in.

Ava's pick

Hospital Indemnity + Accident
$20
/ paycheck
$2,000 cash for any hospital admission
$750 per ER visit + specific injury payouts
Closes most of your $3,500 deductible gap
Covers your whole family — spouse + Ryan
If Ryan breaks his arm: Accident pays $750 + $400, you're essentially even after copays.

Maximum coverage

+ Critical Illness buy-up tier
$38
/ paycheck
Everything in Ava's pick, plus…
$15,000 lump sum on cancer, heart attack, stroke
Most useful if you have family history you're worried about
Honest take: only worth it if something in your family history says yes. Otherwise, the cost outweighs the math for your age.
Step 3 · Play out the scenarios

What actually happens if…

Pick any scenario and I'll walk through exactly what you'd pay and what the plan would pay you.

Step 4 · Final look

Here's what you'll be enrolled in.

Nothing locks in until you hit confirm. You can change anything until enrollment closes on May 1.

Hospital Indemnity · Plan B
Unum Group · $2,000 per admission · covers Sarah, Alex, Ryan
$14.00 / paycheck
Accident Coverage · Base tier
Aflac · $750 per ER visit + specific injury payouts · whole family
$6.00 / paycheck
Total per paycheck $20· $520 / year
Why I picked this
You've got a high-deductible medical plan and a 7-year-old. An unexpected ER visit would cost you the full $3,500 deductible out of pocket — this plan closes most of that gap for the price of a streaming subscription. If a clean year happens (good!) you're out $520. If anything goes sideways, the plan pays more than that on a single admission.
Enrolled · 3m 52s

You're set, Sarah.

You enrolled in Hospital Indemnity + Accident coverage, $20 per paycheck. I'll email you a one-page summary with your plan details and the math behind the recommendation.

Hospital Indemnity · Plan B
Covers Sarah, Alex, Ryan · Unum Group
$14 / paycheck
Accident Coverage · Base tier
Whole family · Aflac
$6 / paycheck
Effective 1/1/2026 $20/ paycheck
A
Ava
Your benefits guide
Hi Sarah — I'm right here if you have a question. You can ask me anything about the plans, the math, or your specific situation. Or tap one of the prompts below.