Free cost calculators

Educational estimates based on published federal tables and typical market ranges — never binding quotes.

• ACA Subsidy Calculator

  Estimate your Affordable Care Act premium tax credit based on household income, size, and the benchmark plan premium in your area.

• Monthly Premium Calculator

  Estimate a typical unsubsidized monthly premium by age and metal tier, before any ACA subsidy.

• HealthShare Savings Calculator

  Compare the annual monthly cost of a health-sharing membership against an unsubsidized insurance premium.

• HSA Tax Savings Calculator

  Estimate the annual tax savings from contributing to a Health Savings Account with an HSA-eligible HDHP.

• Out-of-Pocket Estimator

  Estimate your total yearly health costs — premiums plus expected care against your deductible, coinsurance, and out-of-pocket max.

• Prescription Cost Calculator

  Estimate your annual prescription costs by tier and quantity, before and after a plan deductible.

• Medicare Cost Calculator

  Estimate your monthly Medicare cost across Part B, a Part D drug plan, and either Medicare Advantage or a Medigap policy.

• Dental Cost Calculator

  Estimate whether a standalone dental plan pays off based on your expected cleanings and dental work.

• Vision Cost Calculator

  See whether a vision plan pays off based on your exam and eyewear needs.

• Healthcare Emergency Fund Calculator

  Estimate how much to set aside to cover a worst-case medical year based on your plan’s out-of-pocket maximum.