ACA Premium Tax Credit Calculator
Estimate your Affordable Care Act marketplace premium tax credit (subsidy) based on household income, size, and benchmark plan cost.
Free Health Calculators
25 toolsHealth insurance premium, deductible, and coverage calculators. Browse our free health tools below — no sign-up required.
COBRA vs Marketplace Cost Calculator
Compare COBRA continuation coverage costs with ACA marketplace plans to decide which is the most affordable option after leaving a job.
Coinsurance Cost Calculator
Calculate your coinsurance share of medical bills after meeting your deductible. See exactly how much you pay vs what insurance covers.
Copay vs Coinsurance Calculator
Compare annual costs of copay-based vs coinsurance-based health plans. See which cost-sharing model saves more based on your usage.
Critical Illness Insurance Value Calculator
Calculate the expected value of critical illness insurance or riders based on coverage amount, premium, and statistical probability of claims.
Dependent Coverage (Age 26 Rule) Calculator
Calculate how much you save by staying on a parent's health plan until age 26 vs buying your own coverage through the marketplace.
Family vs Individual Plan Cost Calculator
Compare the cost of a family health plan versus separate individual plans for each family member. Find which option saves more annually.
FSA Use-It-or-Lose-It Calculator
Calculate how much FSA money you risk forfeiting if unspent by year-end. Plan spending to avoid losing your pre-tax healthcare dollars.
Generic vs Brand-Name Drug Savings Calculator
Compare the cost of generic versus brand-name medication and calculate annual savings from switching to generic alternatives.
Health Coverage Gap Cost Calculator
Estimate the financial risk and potential cost of going without health insurance during a coverage gap between jobs or plans.
Health Deductible vs Premium Calculator
Compare high-deductible and low-deductible health plans to find your break-even point based on expected medical usage and total annual costs.
Health Sharing Ministry vs ACA Plan Calculator
Compare health care sharing ministry monthly costs and coverage against ACA marketplace plans to determine which option costs less.
Hospital Indemnity Insurance Value Calculator
Calculate the expected value of hospital indemnity insurance based on premium, daily benefit, and your estimated hospitalization risk.
HRA Balance and Benefit Calculator
Track your HRA balance, estimate reimbursements, and calculate the total value of your employer-funded Health Reimbursement Arrangement.
In-Network vs Out-of-Network Cost Calculator
Compare in-network and out-of-network healthcare costs including deductibles, coinsurance rates, and balance billing to see your true expense.
Medicaid Eligibility Estimator
Estimate whether your household qualifies for Medicaid based on income, household size, and Federal Poverty Level guidelines.
Medicare Advantage Value Calculator
Compare Medicare Advantage (Part C) with Original Medicare plus Medigap to find which coverage approach gives you the best value.
Medicare Part B Premium Calculator (IRMAA)
Calculate your Medicare Part B premium based on income, including IRMAA surcharges. Estimate monthly and annual costs by filing status.
Medicare Part D Cost Estimator
Estimate Medicare Part D prescription drug costs by coverage stage: deductible, initial coverage, coverage gap, and catastrophic coverage.
Medigap Plan Comparison Calculator
Compare Medigap (Medicare Supplement) plans F, G, and N side by side. Estimate annual costs based on premiums, deductibles, and expected usage.
Out-of-Pocket Maximum Calculator
Track your progress toward your health insurance out-of-pocket maximum. See how much more you could owe this year before full coverage kicks in.
Prescription Drug Cost Comparison Calculator
Compare prescription drug costs across different insurance tiers, pharmacies, and discount programs to find the cheapest option for your medication.
Short-Term Health Plan Cost Estimator
Estimate the cost and coverage value of short-term health insurance plans compared to ACA marketplace plans for gap coverage.
Supplemental Insurance Expected Value Calculator
Calculate the expected value of supplemental insurance policies (accident, critical illness, hospital) by comparing premiums to probability-weighted benefits.
Telemedicine Savings Calculator
Calculate how much you save by using telemedicine visits instead of in-person doctor visits, urgent care, or emergency room visits.