About HealthPlanCalc

Our Mission

HealthPlanCalc exists because understanding health insurance costs should not require a finance degree or an insurance broker. Millions of Americans face open enrollment every year without a clear picture of what they will actually pay — leading to poor plan choices, missed subsidies, and unnecessary financial stress.

Our free estimator uses publicly available Federal Poverty Level data published annually by the U.S. Department of Health and Human Services and average ACA marketplace premium benchmarks from the Centers for Medicare and Medicaid Services to give you a realistic starting point before you visit Healthcare.gov to compare and enroll in actual coverage. We cover Bronze, Silver, and Gold plan tiers, and estimate Premium Tax Credit and Cost-Sharing Reduction eligibility based on your specific household size and income.

What HealthPlanCalc Does

Our free health insurance cost estimator provides:

• Estimated monthly premiums for Bronze, Silver, and Gold ACA plans based on your age and state using national average benchmark data.
• Estimated Premium Tax Credit eligibility based on your household size and income relative to the 2026 Federal Poverty Level.
• Identification of potential Cost-Sharing Reduction eligibility for Silver plan enrollees at 100–250% FPL.
• Flags for potential Medicaid eligibility for very low-income households who may qualify for free or near-free coverage.
• Clear next steps directing you to Healthcare.gov for actual plan options, enrollment, and official subsidy calculations.

We want to be completely clear about what we are not. HealthPlanCalc is not an insurance company, insurance broker, or government agency. We do not sell insurance, provide official quotes, or enroll you in coverage. We are not affiliated with Healthcare.gov or any state marketplace.

How Our Estimates Are Calculated

Our estimates are built on four publicly available data sources:

We update all data sources every January. Estimates reflect national averages and will differ from actual plan costs in your specific area. Always verify on Healthcare.gov before making enrollment decisions.

Why Use HealthPlanCalc?

Before spending time on Healthcare.gov comparing dozens of plans, it helps to know roughly what you will pay and whether you qualify for financial assistance. Our estimator gives you that starting point in under 60 seconds — no account creation, no personal data submission, and no calls from insurance salespeople.

HealthPlanCalc is completely free with no sign-up required. All calculations run entirely within your web browser on your own device — nothing you enter is transmitted to our servers or accessible by us in any way. We display Google AdSense advertisements, which may use cookies as described in our Privacy Policy — but we do not share your information with insurance companies or any third party through our estimator.

We built this tool because we believe health insurance decisions should be made from a position of knowledge, not confusion.

Our Commitment to Accuracy

Health insurance rules change every year. We review and update our Federal Poverty Level figures, premium benchmarks, ACA contribution percentages, and plan data every January to reflect the most current publicly available information. However, health insurance markets are local — actual plan costs in your county may differ significantly from the national averages we use in our estimates. Always verify specific plan costs and subsidy amounts on Healthcare.gov before making any enrollment decision.

If you find an error in our estimates or data, please contact us at info@freeonlinecalcs.com. We take accuracy seriously and correct errors promptly.

Contact and Support

For questions or feedback about our estimator, contact us at info@freeonlinecalcs.com. Please allow 3–5 business days for a response. We cannot provide personalized insurance advice or recommend specific plans.

For actual health insurance help, the following free resources are available: