{
  "plans": [
    {
      "name": "Atlas PPO 1500 Current",
      "role": "current",
      "effective_start": "2025-10-01",
      "effective_end": "2026-09-30",
      "source_page": 1,
      "monthly_rates": [
        500,
        1000,
        900,
        1400
      ],
      "enrollment": [
        5,
        2,
        1,
        2
      ],
      "deductible_individual": 1500,
      "deductible_family": 3000,
      "oop_individual": 4500,
      "oop_family": 9000,
      "coinsurance_member": "20% after deductible",
      "primary_care": "$25 copay",
      "specialist": "$50 copay",
      "monthly_total": 8200,
      "annual_total": 98400,
      "employer_annual": 73800,
      "employee_monthly_by_tier": [
        125,
        250,
        225,
        350
      ],
      "employee_per_paycheck_by_tier": [
        57.69,
        115.38,
        103.85,
        161.54
      ]
    },
    {
      "name": "Atlas PPO 1500 Renewal",
      "role": "renewal",
      "effective_start": "2026-10-01",
      "effective_end": "2027-09-30",
      "source_page": 2,
      "monthly_rates": [
        550,
        1100,
        990,
        1540
      ],
      "enrollment": [
        5,
        2,
        1,
        2
      ],
      "deductible_individual": 1500,
      "deductible_family": 3000,
      "oop_individual": 4500,
      "oop_family": 9000,
      "coinsurance_member": "20% after deductible",
      "primary_care": "$25 copay",
      "specialist": "$50 copay",
      "monthly_total": 9020,
      "annual_total": 108240,
      "employer_annual": 81180,
      "employee_monthly_by_tier": [
        137.5,
        275,
        247.5,
        385
      ],
      "employee_per_paycheck_by_tier": [
        63.46,
        126.92,
        114.23,
        177.69
      ]
    }
  ],
  "annual_premium_increase": 9840,
  "rate_increase_percent": 10,
  "limitations": [
    "The source is a fictional sample, not an actual carrier quote.",
    "The source provides in-network medical benefits only. Out-of-network benefits are not specified.",
    "The source does not specify whether copays are subject to the deductible or whether additional visit limitations apply.",
    "The employer contribution is specified as 75% of each coverage tier premium for both plans.",
    "Employee monthly contributions are calculated as 25% of each tier's monthly premium.",
    "Employee per-paycheck amounts assume 26 payroll deductions annually, calculated as monthly employee contribution multiplied by 12/26 and rounded to two decimal places.",
    "Monthly and annual totals use the source enrollment of 5 Employee, 2 Employee + Spouse, 1 Employee + Child(ren), and 2 Family for both plans.",
    "Annual premium increase and rate increase percentage are calculated using a constant census.",
    "Employee contribution arrays represent the cost per enrolled employee in each coverage tier, not aggregate employee contributions.",
    "No additional employer contribution rules, payroll adjustments, or rounding conventions are specified in the source."
  ]
}