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    CAFFinance
    Goal-first workplace benefits tool

    Healthcare Worker Benefits Blueprint

    Answer 12 plain-English questions before opening the HR portal. Leave with a retirement starting range, health-plan fit signals, an HSA check, and the exact numbers to find.

    Build my blueprintRead the open enrollment path
    Question 1 of 12Current age

    Your answers stay in local React state and are not transmitted or saved.

    What is your current age?

    Age is used only to estimate the time until your target retirement. It stays in this browser session.

    Enter an age from 18 through 80.

    How to use it

    Go into the HR portal with a search list

    The blueprint narrows the questions. The employer's actual contribution rules, premiums, networks, and plan documents provide the answer.

    Start with goals

    Decide which tradeoffs matter before plan names, payroll deductions, and HR terminology compete for attention.

    Find the controlling numbers

    Use the SBC, retirement-plan documents, network directory, drug formulary, and employer HSA details.

    Verify before submitting

    Recheck the paycheck impact, match formula, coverage tier, beneficiaries, and final confirmation page.

    Use next

    Turn the blueprint into actual plan math

    These existing pages take the next step without duplicating the questionnaire.

    403(b) Paycheck Calculator

    Convert a contribution percentage into paycheck and annual amounts.

    Open Enrollment True Cost Calculator

    Compare actual premiums, expected care, employer money, and bad-year exposure.

    Health Insurance Plan Types

    Understand HMO, PPO, EPO, POS, and HSA-eligible structures.

    How to Read an SBC

    Use the controlling plan summary for apples-to-apples comparisons.

    Source-backed, but still a starting point

    The 2026 limits below are time-sensitive. Plan fit depends on the employer's actual documents, provider network, formulary, and household needs.

    Official sources