Tool Shed.
Interactive calculators to help you understand your healthcare costs and find the right plan for your situation.
Deductible Calculator
Compare two plans side-by-side to see which saves you more based on your expected healthcare usage.
Expected Healthcare Use
Plan A
Plan B
Visual Comparison
What This Means
→ Plan A costs $1,400 less under this usage scenario.
Plan A wins on both estimated cost and worst-case protection.
Estimated cost is not a guarantee. This tool helps you compare how each plan behaves under different levels of healthcare usage.
Interactive Tool
See Which Option Makes More Sense for You
Compare Marketplace (ACA) vs private plans based on your situation.
This is a simplified estimate. Actual pricing and eligibility depend on full application details.
Quick Check
Are You Overpaying for Health Insurance?
Check if you qualify for ACA subsidies — and see how much you might be overpaying.
This is a simplified estimate. Actual eligibility and pricing depend on final application details, reported income, and available plans in your area.
Interactive Tool
What Will This Plan Really Cost You After Taxes?
If you're self-employed, your business structure can change your effective health insurance cost. Use this calculator to estimate your after-tax cost and compare options.
Your Business Structure
How this applies to you: Self-employed individuals in this structure can often deduct health insurance premiums on their personal tax return, reducing taxable income.
Marginal Tax Rate (Federal + State)
Example: enter 30 if your combined marginal tax rate is 30%.
Compare mode:
Annual: $6,000
Effective monthly
$350/mo
What This Means
→ After the estimated tax benefit, this plan effectively costs about $350/month — compared to the sticker price of $500/month. The deduction can meaningfully reduce what you actually pay.
This calculator is for educational purposes only and provides a simplified estimate of the potential tax benefit of self-employed health insurance premiums. It is not tax or legal advice. Actual tax treatment depends on your income, entity structure, payroll setup, and filing details.
Interactive Tool
See How Each Lever Affects Your Premium
Adjust the options below to see how plan choices change your estimated monthly cost.
Deductible
How much you pay before insurance kicks in
Network Type
How wide your provider access is
Pricing Model
ACA spreads cost across everyone (community rating) — healthier people subsidize higher-risk members. Private plans price based on your individual health profile, so healthy people often pay less.
Coinsurance (Cost-Sharing)
Your share of costs after the deductible
Estimated Monthly Premium
$802
/mo
+$82/moAnnual Estimate
$9,624
Fictional illustrative pricing only. Actual premiums depend on age, location, health profile, and available plans.
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