Most families overpay because they don't know which subsidy tier they qualify for, which plan keeps their pediatrician in-network, and how much they could put pre-tax into an HSA.
Benefitra is the parent platform for benefits brokerage, HR SaaS, marketing, and decision-support tools. Families get the same depth used by mid-market employers.
Premium tax credit and cost-sharing reduction modeled against the right year's FPL table.
Run my numbers →Pediatrician and family-doctor NPI check across every candidate plan before you switch.
Check my doctors →Family HSA, Limited-Purpose FSA, and Dependent Care FSA optimized together, not in isolation.
Open calculators →Children may qualify for CHIP even when adults pick a marketplace plan. We surface that gap.
Talk to a strategist →Discount family health insurance is not a single product. It is the result of stacking the right subsidy tier, the right plan metal, the right pre-tax account, and the right public-program fallback for your kids.
Premium tax credit eligibility. The premium tax credit phases in at 100% of the federal poverty level and historically phased out at 400% FPL. Under the American Rescue Plan and Inflation Reduction Act, that 400% cliff is replaced with an 8.5% of household income cap through 2025, which means families well above 400% FPL still qualify for some subsidy. For a family of four in 2026, the 400% line sits near $124,800; the cap rule extends meaningful subsidies into the $150k to $200k income range depending on geography.
Cost-sharing reduction on silver plans. If household income is between 100% and 250% FPL, you qualify for cost-sharing reductions that lower deductibles, copays, and out-of-pocket maximums, but only if you enroll in a silver-tier plan. Families in this range who enroll in bronze plans leave real money on the table. The silver plan after CSR often has a lower net out-of-pocket than the bronze plan that looked cheaper on the comparison screen.
Pediatrician network mapping. Plan networks vary widely by carrier and by plan type within the same carrier. Switching plans without checking your pediatrician can mean either paying out-of-network rates or finding a new doctor. Benefitra runs each candidate plan against your pediatrician's NPI before you enroll, so you see the network match in advance.
HSA vs FSA family math. The 2026 HSA family contribution limit is $8,750 per the IRS, and HSAs are triple-tax-advantaged: deductible going in, growth tax-free, and withdrawals tax-free for qualified medical expenses. A general-purpose health FSA disqualifies you from HSA contributions, but a Limited-Purpose FSA (dental and vision only) is HSA-compatible. Dependent Care FSAs are separate and allow up to $5,000 per household in pre-tax dollars for childcare.
CHIP and Medicaid family-of-four thresholds. Medicaid eligibility for adults in expansion states runs to 138% FPL. CHIP for children runs higher in most states, with thresholds typically 200% to 300% FPL depending on the state program. Benefitra's discovery flow checks both against your household composition before recommending plans, because a child on CHIP is structurally different from a child on a family marketplace plan.
We were paying $1,650 a month before. Benefitra showed us we qualified for a subsidy we didn't know about, plus a Limited-Purpose FSA on top of our HSA. We're at $610 net now, same pediatrician.
Our kids qualified for CHIP, but the broker we had before never mentioned it. The Benefitra team checked the state thresholds in 10 minutes and saved us another $400 a month.
I was about to enroll in a bronze plan to save on premium. They showed me the silver plan with cost-sharing reduction was actually cheaper out-of-pocket for our family. Total swing was $3,200 a year.
Subsidies, networks, HSA versus FSA, and the CHIP question every family eventually asks.
Twelve short questions. We model your subsidy tier, check your pediatrician across every candidate plan, and screen your kids for CHIP and Medicaid eligibility before recommending anything.
Start the discovery →