The laziest way to pick a 2027 health plan beat my model (82% vs 79%). So I built Second Look to tell you when lazy is safe

I priced 758 real people's 2024 medical bills under three employers' real 2027 plan menus. "Lowest premium" was right 82% of the time; "same as last year" overpaid the most of the sensible rules. Local Gemma 4 reads the plan PDFs, TabPFN predicts next year, code does the dollars.