Open enrollment lands in October. Compute your 2027 baseline now with two numbers off your paystub, then check what your employer actually sends.
The 2027 Part D cap is $2,400, but reaching it takes $7,500 of retail drug cost, up $945 from 2026. The $700 deductible is a ceiling, not a bill.
The 400% cutoff for 2027 coverage is $63,840 for one person, $86,560 for a couple, $132,000 for a family of four. A dollar over and the credit is zero.
An HSA vs FSA prompt run cold: the AI reframed it as a choice between two health plans, then quoted a 2027 HSA limit $50 above the published one.
A prompt for appealing a denied insurance claim with AI. Only 5% of denials cite medical necessity, and my first run pointed me at the wrong agency.