7 calculators in this category
- Deductible, Coinsurance & Out-of-Pocket CalculatorACA cost-sharing limits, 45 CFR §156.130A medical bill is split between you and your plan in a fixed order: copay first, then the deductible until it is satisfied…
- HDHP vs PPO Total Cost CalculatorIRS Rev. Proc. 2024-25 (2025 HSA/HDHP limits)Premium alone never decides which health plan is cheaper. A high-deductible plan trades a lower premium for a larger bill when…
- ACA Premium Tax Credit CalculatorIRC §36BThe ACA premium tax credit is not a percentage discount on your plan. It is the gap between the benchmark silver premium in…
- COBRA Premium Cost CalculatorIRC §4980B / ERISA Part 6 (COBRA)COBRA lets you keep your employer's health plan after you leave, but it does not let you keep your employer's contribution…
- Life Insurance Needs Calculator (DIME Method)DIME frameworkDIME sizes a death benefit by adding four things your family would have to fund without you — D ebt and final expenses, I ncome…
- Term vs Whole Life Cost Comparison CalculatorNAIC Life Insurance Disclosure Model Regulation — interest-adjusted cost indexesComparing whole life against term by looking at the premiums is meaningless, because the two products deliver different things…
- Disability Insurance Benefit CalculatorIRC §104(a)(3) and §105(a) — taxability of disability benefitsA policy advertised as replacing 60% of income rarely replaces 60% of income. Four things stand between the headline percentage…
Which one do you need?
- Deductible, Coinsurance & Out-of-Pocket Calculator
- Split a medical bill between you and your plan through the deductible, coinsurance and out-of-pocket maximum to see your true patient responsibility.
- HDHP vs PPO Total Cost Calculator
- Compare an HDHP and a PPO on total annual cost: premiums, deductible, coinsurance, out-of-pocket maximum, employer HSA money, the tax break and the break-even.
- ACA Premium Tax Credit Calculator
- Estimate your ACA premium tax credit from household income as a percent of the federal poverty level and the benchmark silver premium, and see the net cost.
- COBRA Premium Cost Calculator
- Work out your COBRA premium from the full group rate plus the 2% administrative fee, then see the 18, 29 or 36-month total and the cost per covered person.
- Life Insurance Needs Calculator (DIME Method)
- Size the death benefit your family needs with the DIME method — debt, income replacement, mortgage and education — net of existing cover and liquid assets.
- Term vs Whole Life Cost Comparison Calculator
- Compare whole life against buy-term-and-invest-the-difference using premium outlay, cash value, the NAIC interest-adjusted cost indexes and a break-even return.
- Disability Insurance Benefit Calculator
- Work out what a disability policy really pays: replacement percentage, policy cap, offsets and tax, then the monthly income gap and the reserve for the wait.
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