Free calculators
The premium is only half the story.
A cheap plan can cost more in a hard year. These tools add up the whole year using published federal tables and typical market ranges. They are estimates, never binding quotes.
10 tools · No sign-up · Results update as you type
10 free tools
Add up the year before you choose.
Each tool starts with sample numbers. Change them to match your household.
- Will I get help paying my premium?ACA Subsidy CalculatorEstimate your Affordable Care Act premium tax credit based on household income, size, and the benchmark plan premium in your area.Open the calculator →
- What might a plan cost each month?Monthly Premium CalculatorEstimate a typical unsubsidized monthly premium by age and metal tier, before any ACA subsidy.Open the calculator →
- How does a sharing plan compare on price?HealthShare Savings CalculatorCompare the annual monthly cost of a health-sharing membership against an unsubsidized insurance premium.Open the calculator →
- What does an HSA save me in tax?HSA Tax Savings CalculatorEstimate the annual tax savings from contributing to a Health Savings Account with an HSA-eligible HDHP.Open the calculator →
- What could a hard year really cost?Out-of-Pocket EstimatorEstimate your total yearly health costs — premiums plus expected care against your deductible, coinsurance, and out-of-pocket max.Open the calculator →
- What will my medicines cost?Prescription Cost CalculatorEstimate your annual prescription costs by tier and quantity, before and after a plan deductible.Open the calculator →
- What does Medicare cost each year?Medicare Cost CalculatorEstimate your monthly Medicare cost across Part B, a Part D drug plan, and either Medicare Advantage or a Medigap policy.For Medicare plan help, see olyronmedicare.com.Open the calculator →
- Is dental coverage worth it for me?Dental Cost CalculatorEstimate whether a standalone dental plan pays off based on your expected cleanings and dental work.Open the calculator →
- Is vision coverage worth it for me?Vision Cost CalculatorSee whether a vision plan pays off based on your exam and eyewear needs.Open the calculator →
- How much should I set aside for care?Healthcare Emergency Fund CalculatorEstimate how much to set aside to cover a worst-case medical year based on your plan’s out-of-pocket maximum.Open the calculator →
How these work
Plain math, shown in the open.
Published tables
Federal poverty guidelines and dated market ranges. Each tool lists its sources.
In your browser
The math runs right on this page, with no sign-up and no account.
Never a quote
Real prices depend on your ZIP code, age and plan. A licensed advisor can confirm them.
Ready for real numbers?
Estimates are a start. Real plans are next.
Tell us a little about your household and a licensed advisor can walk through the plans available where you live.
- Free to use
- No obligation
- Estimates, not quotes