{
  "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": 73800.0,
      "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 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": 81180.0,
      "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,
  "rate_increase_percent": 10
}