Planlined
Formerly BART: carrier documents to branded proposals, presentations and employee guides, with comparisons and contribution modeling. For brokers, brokerage and GA service teams; confirm GA access and branding setup. Product facts and evidence.
ThreeFlow
A "benefits placement system": a shared workspace where brokers, carriers and general agencies quote, compare, negotiate and place fully insured medical, ancillary, voluntary and stop-loss business, with side-by-side comparisons and in-platform presentations.
For: brokers, carriers and general agencies managing shared placement across small groups, mid-market and larger multi-line clients; carriers and GAs pay the fee.
Side by side
Capabilities, one row each.
“Yes” means documented, not independently tested for every carrier or workflow; extraction may need correction or manual entry. “Not documented” means absent from reviewed public sources, not necessarily unavailable. See evidence and limits, including medical PDF and dental spreadsheet examples; confirm vendor scope before choosing.
On smaller screens, scroll across to compare both products.
| Capability | Planlined | ThreeFlow |
|---|---|---|
| Parses carrier PDFs and spreadsheets | YesDocumented inputs; extraction may be incomplete and require manual entry. | PartialVendor documents AI-assisted quote population and data normalization in a shared placement workflow; standalone broker PDF-to-proposal upload is not detailed in the reviewed sources. |
| Side-by-side comparison | Yes | YesDeviations from in-force coverage highlighted. |
| Proposal export | YesBranded PDF and presentation mode. | YesPresent in-platform or export to Excel. |
| Employee enrollment guide | Yes | Not documented |
| Contribution and what-if modeling | Yes | Not documented |
| Invoice reconciliation | Yes | Not documented |
| Carrier RFP marketplace and negotiation | No | YesThe core of the product. |
| Coverage lines | YesMedical, dental, vision, life, STD/LTD, payroll. | YesFully insured medical, ancillary, voluntary and stop-loss across small groups, mid-market and larger clients. |
| Self-serve signup with a free start | Yes7-day free trial with full features. | Not documentedReviewed pages route to a demo; self-serve trial terms are not published. |
| Pricing | $75/month or $744/year ($62/month billed annually); 250 AI credits/month. Unlimited paid cases and exports; AI allowance is separate. Confirm team workspace setup.Pricing and trial terms | Carriers and general agencies pay a fee; no broker price is published. |
Before you switch
Evaluate ThreeFlow in your workflow.
Start with how quotes reach your agency
ThreeFlow documents a shared broker, carrier and GA placement workspace, including AI-assisted quote population and normalization. For an upcoming renewal, identify which carriers will submit and revise quotes there and which will send PDFs or spreadsheets by email. Planlined starts from those received documents; it does not run a carrier RFP marketplace or negotiation workflow.
Separate placement from the employer deliverable
ThreeFlow supports in-platform presentations and Excel exports. Planlined produces a branded proposal book and employee guide from the reviewed case. If you use both, check the proposal’s plans, rates and contribution settings against the placement result before presenting it. The comparison does not establish an automatic transfer between the two products.
Choose ThreeFlow when
- You want carriers to submit and revise quotes inside one shared system and to negotiate there.
- You place fully insured medical, ancillary, voluntary or stop-loss business and need the shared broker, carrier and GA workflow.
- You want the placement workflow more than the deliverables.
Choose Planlined when
- Your carriers send quotes by email as PDFs and spreadsheets, whether or not they are on any platform.
- Your deliverables matter: branded proposal book, employee enrollment guide, contribution scenarios.
- You need document-based comparisons for a small-group, level-funded or PEO case without routing placement through a shared platform.
Weighing more than these two? Read our roundup of ThreeFlow alternatives for small brokers, which lines up five tools that do this job.
Frequently asked
Questions about switching.
- Is Planlined a ThreeFlow alternative?
- Partly. Both produce side-by-side comparisons and presentations. ThreeFlow documents AI-assisted quoting, normalization and negotiation in a shared broker, carrier and GA workspace, including small groups. Planlined starts with the carrier documents the broker uploads. If your carriers are not on ThreeFlow, Planlined still works.
- Does ThreeFlow charge brokers?
- ThreeFlow states that carriers and general agencies pay a fee. No broker price is published. Planlined charges the broker: free trial, then $75 per month or $744 per year.
- Can I use both?
- Yes. Place business through ThreeFlow where your carriers participate, and use Planlined for the client deliverables, contribution modeling and the lines or carriers that arrive by email.
Sources · reviewed October 25, 2026