What happens if I pick the cheapest health plan?

Choosing the cheapest plan often leads to higher out-of-pocket costs. For example, if an unexpected medical event occurs, you could spend $3,200+ out-of-pocket when a slightly more expensive plan would have covered it.

Should I choose the same plan as last year?

Not necessarily. Premiums typically increase 12% annually and your family situation may have changed. Re-evaluating your plan each year could save you $840+ annually.

How much money can I save with Redbeet?

On average, users save $1,200 per year by selecting the optimal health insurance plan based on their specific needs and usage patterns.

How long does it take to get a recommendation?

Just 2 minutes. Upload your benefits PDF (we read it in 30 seconds), answer 5 quick questions, and get your personalized plan recommendation immediately.

Terms of Service

1. Acceptance of Terms

By accessing and using Redbeet, you accept and agree to be bound by the terms and provision of this agreement.

2. Use License

Permission is granted to temporarily use Redbeet for personal, non-commercial use only. This is the grant of a license, not a transfer of title.

⚠️ NOT A HEALTHCARE PROVIDER

Redbeet is a consumer benefits comparison tool. We are NOT:

A healthcare provider, health plan, or covered entity under HIPAA
Providing medical advice, diagnosis, or treatment
A substitute for professional medical or insurance advice
Acting on behalf of any health insurance company or employer

This service is for informational and comparison purposes only. Consult with a qualified healthcare professional for medical decisions and a licensed insurance advisor for insurance advice.

We are regulated by the Federal Trade Commission (FTC) and applicable state consumer protection laws, NOT by HIPAA.

3. Service Description

Redbeet is a decision support tool designed to help users understand and compare health insurance benefits. We provide financial analysis and comparison of benefits options to help you make informed decisions during open enrollment.

4. Eligibility and Age Restrictions

You must be at least 13 years of age to use this service. By using BenefitsAI, you represent and warrant that you are at least 13 years old. If you are under 18, you should review these Terms with a parent or guardian.

5. Disclaimer

The materials on BenefitsAI are provided on an 'as is' basis. BenefitsAI makes no warranties, expressed or implied, and hereby disclaims and negates all other warranties including, without limitation, implied warranties or conditions of merchantability, fitness for a particular purpose, or non-infringement of intellectual property or other violation of rights.

6. Limitations

In no event shall BenefitsAI or its suppliers be liable for any damages (including, without limitation, damages for loss of data or profit, or due to business interruption) arising out of the use or inability to use BenefitsAI.

7. Accuracy of Materials

The materials appearing on BenefitsAI could include technical, typographical, or photographic errors. BenefitsAI does not warrant that any of the materials on its website are accurate, complete or current. BenefitsAI may make changes to the materials at any time without notice.

8. User Data and Privacy

Your use of BenefitsAI is also governed by our Privacy Policy. By using this service, you consent to the collection and use of information as described in our Privacy Policy. You have the right to access, delete, and export your data at any time through your account settings.

9. Modifications

BenefitsAI may revise these terms of service at any time without notice. We will update the "Last Updated" date at the bottom of this page. By continuing to use this website after changes are posted, you are agreeing to be bound by the updated terms of service.

10. Contact

If you have any questions about these Terms of Service, please contact us at:

Email: support@redbeet.ai

For privacy-related requests (access, delete, export your data):

Email: privacy@redbeet.ai

Last Updated: November 4, 2025