Health Insurance Calculators & Tools

25 free calculators to estimate subsidies, premiums, HSA savings, and coverage costs.

ACA Subsidy Calculator 2026

Calculate your Affordable Care Act premium tax credit based on income and family size.

HSA Contribution Calculator

Find your 2026 HSA contribution limit and estimate tax savings.

COBRA Cost Estimator

Estimate COBRA continuation coverage costs after leaving a job.

Out-of-Pocket Max Calculator

Model annual healthcare costs based on your deductible and coinsurance rate.

HMO vs PPO Cost Calculator

Compare total annual costs between HMO and PPO plans for your situation.

Medicare Part B Premium Calculator

Calculate your 2026 Part B premium including IRMAA income-related adjustments.

Medical Expense Tax Deduction

Find out how much of your medical expenses you can deduct on your taxes.

HSA Investment Growth Calculator

Project your HSA balance at retirement with compound growth.

2026 Premium Tax Credit Calculator

Calculate Form 8962 premium tax credit amount and monthly advance payments.

Short-Term Health Insurance Estimator

Estimate short-term plan costs by age and coverage duration.

FSA Calculator & Tax Savings

Optimize your Flexible Spending Account contribution for maximum tax savings.

COBRA vs Marketplace Comparison

Side-by-side comparison of COBRA and ACA marketplace plan costs.

Deductible Met Tracker

Track how close you are to meeting your annual health insurance deductible.

Dental Insurance Worth It Calculator

Determine if dental insurance saves money based on your expected procedures.

Vision Insurance Calculator

Calculate whether vision insurance is worth it for your eyecare needs.

Affordability Checker

Check if you qualify for Medicaid, ACA subsidies, or an affordability exemption.

Maternity Insurance Calculator

Estimate out-of-pocket costs for pregnancy and childbirth under your plan.

Employer Benefits Value Calculator

Calculate the true tax-equivalent value of employer health insurance contributions.

Open Enrollment Plan Comparison

Compare two health plans across low, medium, and high medical use scenarios.

Prescription Drug Cost Calculator

Estimate annual prescription costs and savings with insurance coverage.

Telehealth Savings Calculator

Calculate money and time saved by switching to telehealth visits.

Mental Health Coverage Calculator

Compare therapy costs with and without insurance coverage.

Catastrophic Plan Eligibility Checker

Check if you qualify for a low-premium catastrophic health plan.

Health Insurance Penalty Calculator

Estimate state penalties for going without health insurance coverage.

Dependent Coverage Cost Calculator

Compare marginal costs of adding spouse, child, or family coverage.

Frequently Asked Questions

What is the ACA subsidy income limit for 2026? ▼

For 2026, ACA premium tax credits are available to individuals and families earning between 100% and 400% of the Federal Poverty Level. Enhanced subsidies may extend beyond 400% FPL. Use our ACA Subsidy Calculator for a personalized estimate based on your household size and income.

How much can I contribute to an HSA in 2026? ▼

For 2026, the HSA contribution limit is $4,300 for self-only coverage and $8,550 for family coverage. If you are age 55 or older, you can contribute an additional $1,000 catch-up contribution. Use our HSA Contribution Calculator to find your personalized limit.

Is COBRA worth it compared to marketplace insurance? ▼

COBRA lets you keep your existing coverage but you pay the full premium plus a 2% administrative fee. If you qualify for ACA subsidies, marketplace insurance is often significantly cheaper. Use our COBRA vs Marketplace Calculator to compare options side by side.

What is an out-of-pocket maximum? ▼

The out-of-pocket maximum is the most you will pay for covered services in a plan year. For 2026, the federal limit is $9,200 for individuals and $18,400 for families. After reaching this limit, your insurance covers 100% of covered costs for the rest of the year.

What is the difference between an HMO and a PPO? ▼

HMO plans require you to use in-network providers and get referrals for specialists, but generally have lower premiums. PPO plans offer more flexibility to see out-of-network providers without referrals but cost more. Use our HMO vs PPO Calculator to find which saves you more money.