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    CAFCAF
    Free workplace-benefits comparison

    Start with your employer and current documents. Build a clearer Benefits Receipt.

    Search the national healthcare-system directory, preserve the plan year and employee group, inspect whether current official documents are available, and manually organize compensation, health-plan exposure, employer retirement money, paid leave, hidden benefits, vesting, employee costs, and quality-of-life tradeoffs.

    Find my employer Enter everything manually
    Independent employer directory

    Find your healthcare system.

    Search the 639-system AHRQ 2023 baseline. When CAF has verified a public source link, you can open the source owner's page and attach the link to a local Benefits Receipt before entering figures manually.

    Independent and unaffiliated. CAF is not affiliated with, sponsored by, or endorsed by the listed healthcare systems. Organization names and trademarks belong to their respective owners.

    External links only. CAF does not host, reproduce, or claim ownership of linked employer documents. Public availability does not establish permission to republish or automatically reuse their contents.

    Employer identification is based in part on the AHRQ Compendium of U.S. Health Systems, 2023. AHRQ and HHS do not endorse CAF, this directory, or any listed organization. See CAF's disclosures.

    The search term is sent in a private request body rather than added to the page URL. Do not enter employee IDs, medical information, credentials, or confidential employer information.

    Enter at least two characters. The directory uses the AHRQ 2023 system universe as a stable baseline and keeps newer mergers and aliases in a separate reconciliation layer.
    Employer-aware pilot

    Start with the employer and plan year.

    CAF can now preserve an employer, employee group, plan year, source status, and missing-document list before opening the benefits workspace. It never inserts plan values until the source facts have completed review.

    Selected employer

    Novant Health

    At least one official source is located, but the package is not yet complete or verified for automatic guidance.

    2 of 5
    core source categories located
    Official sources located; extraction still in progress

    Source status is not a recommendation. Official documents may apply only to certain entities, locations, unions, or employee classes. CAF currently preserves the context and verification work; it does not silently prefill unreviewed figures.

    Located official sources

    Still needed

    • Medical-plan SBC
    • Retirement-plan summary
    • Annual change notice

    Request an employer or submit an official link

    Submit a public employer or insurer link. Do not provide portal credentials, member IDs, claim information, medical information, account numbers, or files containing personal information.

    Focused comparison and full guided workflow

    Use this comparison for a focused package. Use the full system for open enrollment.

    This comparison organizes compensation and benefits manually. The full Benefits Decision System adds an eight-stage open-enrollment workflow for household coverage, plan costs, prescriptions and networks, accounts, retirement, protection benefits, deadlines, source readiness, verification tasks, and the printable Benefits Decision Brief. Both public workflows are available now; the full system keeps progress in your browser and does not accept confidential document uploads.

    Open the full Decision System
    Choose another way to begin

    Four direct entry modes are available.

    Mode names are fixed and URL-safe. Package values and answers never enter the URL.

    Build my own package

    Open a fresh local workspace and enter broad compensation and benefits estimates.

    Open mode

    Explore a sample Benefits Receipt

    Inspect a fictional completed package before entering your own information.

    Open mode

    Compare two sample jobs

    Review a fictional bedside and clinical-role comparison using the same calculation engine.

    Open mode

    Take the guided tour

    See how the free comparison works before entering any values.

    Open mode

    Have nearby: the current benefits guide, medical rates and SBC, retirement and vesting terms, leave and protection summaries, and any other offer or household plan being compared.

    Know your situation: who needs coverage, the general healthcare-use pattern, what must be verified, budget tolerance, priorities, and expected employment horizon.

    Keep it private: employer and plan names may be used for source matching, but do not enter member IDs, claims, medical information, account credentials, or other sensitive identifiers.

    Current boundary: this free workspace uses manual entry and public source links. It does not accept or store private document uploads.

    Start with proof, not a blank form

    Understand what your job is actually worth—not just what it pays.

    Build your own package or inspect a realistic example first. The workspace separates guaranteed pay, variable compensation, employer benefits, healthcare costs, unvested value, and qualitative tradeoffs.

    No account Local browser storage No document upload
    Prefer a quick orientation before choosing?

    Sample packages are fictional and remain distinguishable from user-created packages. They use the same package schema, Receipt calculation, comparison engine, and local-storage controls as the real workspace.

    How the free workspace thinks

    A structured comparison—not one inflated total.

    Cash compensation separates base pay, realistic overtime, differentials, bonuses, and other entered cash.

    Health-plan scenarios combine payroll premiums, selected cost sharing, out-of-pocket limits, and employer HSA or HRA funding.

    Retirement value distinguishes employee contributions, estimated employer matching, non-elective contributions, uncaptured matching, and unvested value.

    Comparison mode reports differences and uncertainty instead of declaring a universal winner.

    What it cannot determine

    • • Official eligibility, coverage, tax, vesting, or overtime status
    • • Whether a plan covers a specific clinician, prescription, or service
    • • Whether one job is personally or professionally best
    • • Exact take-home pay or future employer policy changes
    Educational only. Community Acquired Finance provides general educational information only. It is not financial, investment, tax, legal, insurance, medical, billing, employment, or benefits advice, and its tools do not make official eligibility, coverage, authorization, tax, billing-liability, or plan determinations. Estimates may be incomplete, outdated, or inapplicable to a specific person, plan, state, employer, provider, or claim. Verify important details with current official sources, controlling documents, government agencies, insurers, employers, billing offices, and qualified professionals.