Calculators that tell you the truth
Independent tools built on official CMS plan data. No marketing estimates, no inflated results — just what the numbers actually say for your situation.
Subsidy estimator
Enter your ZIP, ages, and income to see your estimated premium tax credit and what plans cost per month in your area — no email required.
Open calculator →COBRA vs marketplace
Enter your COBRA premium and income to see which option costs less for the rest of 2026 — and when keeping COBRA is the right call.
Open calculator →SEP deadline checker
Enter your qualifying life event and date to see your special enrollment window, exact deadline, and what you will need to document.
Open calculator →Plan comparison
Select up to three plans in your area and compare monthly premiums, deductibles, and out-of-pocket maximums side by side.
Open calculator →Frequently asked questions
Are these calculators free?
- Yes. All four calculators are free to use. The estimate appears immediately with no login required. Email is offered only if you want a licensed agent to follow up.
Where does the premium and plan data come from?
- From the CMS Marketplace public use files for plan year 2026 — the same plan and rate data that powers HealthCare.gov — for the 30 states using the federal marketplace. States that operate their own exchange show state-average benchmark estimates, and the results say so.
Do I have to give my email to see results?
- No. All calculator outputs are shown without entering your email. Email is offered only if you want a licensed agent to follow up and review your results with you.