Home/Calculators
Five tools for the coverage decisions that move real money. Each one runs in your browser and shows the arithmetic it used, so you can check it against your own plan documents.
Compares two or three plans on what a full year costs you in total, then finds the break-even point where the cheaper premium stops winning.
Works out which account leaves you better off after tax, and how much of an FSA election you would forfeit at year end.
Shows what continuing your old employer plan costs at the statutory 102% of the full premium, and how that compares with a marketplace plan over the same months.
Tells you whether your expected income puts you over the 400% federal poverty level threshold, where premium tax credits stop entirely, and how much room you have either way.
Finds the exact contribution percentage that captures your full employer match, shows what a lower rate forfeits, and warns if your rate would hit the IRS limit before December and cost you match on the final paychecks.
| Your situation | Start here |
|---|---|
| Open enrollment at work, several plans to choose from | True cost calculator |
| Deciding between a high-deductible plan and a traditional one | True cost calculator |
| Choosing how much to put in an HSA or FSA | HSA vs FSA |
| Wondering whether an FSA election is too high | HSA vs FSA |
| Just left a job, or about to | COBRA estimator |
| Comparing COBRA against buying your own coverage | COBRA estimator |
| Buying your own plan and wondering if you still get a subsidy | Subsidy cliff checker |
| Income near $64k single or $87k for a couple | Subsidy cliff checker |
| Setting your 401(k) contribution, or just started a job | 401(k) match optimizer |
| A whole benefits guide you don't want to read | The decoder |
A calculator only knows the numbers you give it, which means it only compares the plans you already thought to compare. Benefits Decoder reads the whole guide: every plan priced across three usage levels, real-life visits costed out, your 401(k) match worked through, and the benefits buried in the back that nobody reads.
These calculators are educational. They do arithmetic on figures you enter and on published IRS and Department of Labor limits, cited on each page with the date last checked. They are not insurance, tax or legal advice, and they don't know your network, your prescriptions or your full tax picture. Your plan documents govern.