The Trouex DIM turns the renewal rates effective September 1, 2026 into a decision flow for the 2026–2027 plan year. Answer seven quick questions, watch your plan-fit polygon draw, then read the report.
Pick the outcome you'd optimize for if you could only pick one.
Count regular office visits, tests, imaging, and prescriptions.
Think about what shows up on your paycheck twice a month.
How much upfront cost are you comfortable absorbing before the plan kicks in?
HMO stays in-network; PPO gives you more flexibility.
Think about ongoing medications, not one-time fills.
This doesn't change the plan recommendation — it opens a support path.
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| Plan | EE Semi-Monthly | Deductible | Office visits | Rx | OOP max | Fit |
|---|
HMO — In-network only except emergencies, usually centered around a primary care physician.
PPO — Usually costs more but gives more provider flexibility and typically no referral requirement for specialists.
Deductible — What you pay before the plan starts sharing more of the cost.
Copay — A fixed dollar amount for a service like a doctor visit or prescription.
Out-of-pocket max — The most you pay in-network during the plan year for covered medical expenses.
Step 3 · Report your election
Your election below is sent directly to your HR Administrator, Maria Franco, for enrollment in the 2026–2027 plan year effective September 1, 2026. Your recommended plan is pre-filled — change it here if you want a different plan.
Your election has been reported to Maria Franco (Trouex HR Administrator). You'll receive an email confirmation at your work email within a few minutes. Keep it for your records.
Option 1 · No human interaction. Submit your benefits question and receive an email response within 24 hours or less.
Option 2 · Human-in-the-loop review. Coming soon — scheduled sessions with a licensed benefits advisor.