Health insurance premium, deductible, and coverage calculators. Browse our free health tools below — all calculators are instant, accurate, and require no sign-up.
ACA Premium Tax Credit Calculator — Estimate your Affordable Care Act marketplace premium tax credit (subsidy) based on household income, size, and benchmark plan cost.
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.
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.
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.
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.
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.
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.
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 for current and future years.
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.