What We Do
HealthPlanCalc is a free online health insurance cost estimation tool designed to help Americans understand what they might pay for ACA marketplace coverage in 2026. Our estimator uses publicly available Federal Poverty Level guidelines and average marketplace premium data to provide rough cost estimates before you visit the official marketplace. We cover Bronze, Silver, and Gold plan tiers and estimate Premium Tax Credit eligibility based on your household size and income. Our goal is to give you a realistic starting point so you arrive at Healthcare.gov informed and prepared.
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 of any kind. We are not affiliated with Healthcare.gov, the Department of Health and Human Services, or any state marketplace. Our estimates are approximations based on national averages and will differ from actual plan costs in your specific area. For real coverage options, accurate pricing, and enrollment always use Healthcare.gov or contact a licensed insurance professional or certified navigator.
Your Privacy
We do not collect, store, or transmit any information you enter into our estimator. All calculations happen entirely within your web browser on your device. We do not require account creation or any personal information of any kind. We display Google AdSense advertisements which may use cookies to show relevant ads. See our Privacy Policy for full details on how Google uses data in connection with our site.
Our Commitment to Accuracy
We update our Federal Poverty Level figures, premium benchmarks, and ACA guidelines annually to reflect the most current publicly available data. However health insurance markets change frequently and our estimates may not reflect the latest insurer pricing in your specific area. Always verify costs directly on Healthcare.gov or with a licensed insurance professional before making any coverage decisions.
Contact Us
For questions or feedback about our free health insurance cost estimator please email us at: info@freeonlinecalcs.com
Please note we cannot provide personalized insurance advice or recommend specific plans. For insurance help call the free ACA helpline at 1-800-318-2596 or visit Healthcare.gov.
Response time: 3-5 business days.