The free health insurance calculator employers and families actually use.

Premium estimator. Enter age band, household size, ZIP, and tobacco status; get a directional monthly premium for ACA bronze, silver, gold, and platinum plans plus the implied subsidy at your income. The estimator uses the current rate-band methodology and the 2026 federal poverty level brackets, so the subsidy estimate reflects current law including the extended premium tax credit thresholds where they apply. Use it before you spend an hour on Marketplace.gov or a state exchange.

Cost-share planner. Stack the four numbers that actually drive out-of-pocket cost in a year: deductible, coinsurance, out-of-pocket max, and expected utilization. The planner runs three scenarios (low utilization, average, high utilization) and shows the true cost of a high-deductible plan with an HSA versus a low-deductible PPO. This is where people discover that the cheapest premium is often not the cheapest plan.

Funding-fit comparator. For employers: model the same group census across fully-insured, level-funded, self-funded, ICHRA, captive, PEO-integrated, and Taft-Hartley arrangements. The comparator surfaces the lowest expected annual cost, the worst-case stop-loss exposure on the self-funded and level-funded paths, and the administrative burden on each. Mid-market groups typically see a 15 to 40 percent gap between the most expensive and least expensive arrangement on the same census.

Renewal stress test. Built for HR and finance teams in the 60 to 90 days before renewal. Enter your current carrier renewal, your medical loss ratio (or our default), and your enrolled census; the stress test shows how much room you have to walk away from a 12 to 18 percent renewal versus accepting it, and quantifies the trade between accepting the increase and switching funding paths. The stress test is the most-used tool in the suite during October through January.