{
  "plans": [
    {
      "name": "Atlas PPO 1500",
      "role": "Current",
      "effective_start": "2025-10-01",
      "effective_end": "2026-09-30",
      "source_page": 1,
      "monthly_rates": [
        500.0,
        1000.0,
        900.0,
        1400.0
      ],
      "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": 8200.0,
      "annual_total": 98400.0,
      "employer_annual": 73800.0,
      "employee_monthly_by_tier": [
        125.0,
        250.0,
        225.0,
        350.0
      ],
      "employee_per_paycheck_by_tier": [
        57.69,
        115.38,
        103.85,
        161.54
      ]
    },
    {
      "name": "Atlas PPO 1500",
      "role": "Renewal",
      "effective_start": "2026-10-01",
      "effective_end": "2027-09-30",
      "source_page": 2,
      "monthly_rates": [
        550.0,
        1100.0,
        990.0,
        1540.0
      ],
      "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": 9020.0,
      "annual_total": 108240.0,
      "employer_annual": 81180.0,
      "employee_monthly_by_tier": [
        137.5,
        275.0,
        247.5,
        385.0
      ],
      "employee_per_paycheck_by_tier": [
        63.46,
        126.92,
        114.23,
        177.69
      ]
    }
  ],
  "annual_premium_increase": 9840.0,
  "rate_increase_percent": 10.0,
  "limitations": [
    "All figures are from a fictional sample packet; no coverage, savings or market benchmark is represented.",
    "Benefits are labeled in-network only. Out-of-network benefits, prescription drug benefits, and other service categories are not stated and are not reported.",
    "The source does not say whether the primary care and specialist copays are subject to the deductible, or whether they count toward the out-of-pocket maximum. No assumption was made.",
    "Employer contribution is stated once as a 75% sample contribution to each tier premium. Employee cost is therefore calculated as 25% of each tier rate for all tiers, including dependent tiers.",
    "The packet gives the same enrollment (5/2/1/2, 10 enrolled employees) under both plans. The rate increase uses this constant census, and no enrollment change is modeled.",
    "Payroll figures assume 26 deductions per year, as instructed. The source does not state pay frequency. Per-paycheck amounts equal monthly employee cost x 12/26, rounded to cents.",
    "The packet was prepared October 16, 2026, which is after the renewal period start date of October 1, 2026. The source does not explain this timing.",
    "Taxes, pre-tax treatment, fees, wellness credits and other adjustments are not in the source and are not included.",
    "Employer annual cost is calculated as 75% of annual total premium. It is not separately stated in the source.",
    "Benefit design is unchanged between the current and renewal plans, so the entire cost change comes from the 10% premium increase."
  ]
}