Free Health Insurance Calculators

Make smarter health coverage decisions with our free tools — no signup required.

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Subsidy Calculator

Most Popular

Find out how much the government will pay toward your health insurance premium based on your income and household size.

✓ Instant ACA premium tax credit estimate✓ Medicaid eligibility check built-in✓ Works for all 50 states
Calculate My Subsidy →
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Medicaid Eligibility

Free Coverage Check

See if you qualify for Medicaid or CHIP based on your state, income, and household size. Coverage may be free.

✓ State-by-state eligibility rules✓ Expansion vs. non-expansion states✓ CHIP coverage for children
Check My Eligibility →
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True Cost Calculator

Beyond the Premium

Compare health plans by their real total cost — premium plus deductible, copays, and out-of-pocket max based on how much care you use.

✓ Compare Bronze vs Silver vs Gold✓ Factors in your expected healthcare use✓ Finds the best value for your situation
Compare Plan Costs →
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COBRA Calculator

Lost Job Coverage

Lost job-based insurance? See if COBRA is worth it or if an ACA marketplace plan would save you money.

✓ COBRA vs. marketplace comparison✓ Special enrollment period guide✓ Estimate your monthly cost difference
Evaluate COBRA →
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SEP Qualifier

Enroll Outside Open Enrollment

Had a life change like losing coverage, getting married, or having a baby? See if you qualify for a Special Enrollment Period to sign up now.

✓ Covers all qualifying life events✓ Tells you your enrollment deadline✓ Links to apply on HealthCare.gov
Check My Eligibility →
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Plan Match Quiz

5 Quick Questions

Not sure which metal tier is right for you? Answer 5 questions about your health, budget, and priorities and we'll recommend the best plan type.

✓ Bronze vs Silver vs Gold comparison✓ Personalized to your healthcare usage✓ HSA eligibility guidance for 2026
Take the Quiz →
💡 Not sure where to start?

Start with the Subsidy Calculator — it checks both subsidy eligibility and Medicaid in one step. Then browse your county's plans to find your benchmark Silver premium and get an exact savings estimate.

These calculators provide estimates only. Actual eligibility and costs depend on your specific situation. Consult a licensed insurance agent or navigator for personalized advice.