Free calculators that show you exactly what you'll pay — before your appointment. Plus plain-English explanations of every insurance term that's ever confused you.
Pick the question you need answered right now
Enter your procedure cost, deductible status, and coinsurance — get the exact dollar amount you owe, with step-by-step math shown.
See exactly how much of your annual deductible you've met, how much is left, and what changes when you hit 100%.
Should you choose Bronze or Silver? Enter two plans and see which actually costs less based on how much care you expect to use.
Find out if you qualify for ACA marketplace subsidies and how much you could knock off your monthly premium.
Calculate your optimal HSA contribution and see the exact tax dollars you save by maxing out your health savings account.
Copay or coinsurance — which will cost you less for your next visit? Enter your plan details for an instant side-by-side comparison.
We don't just give you a number. We show you the math — and explain what it means.
Your deductible, coinsurance percentage, copay, and out-of-pocket maximum. Find these on your insurance card or plan documents.
Not just the answer — the actual calculation, step by step, in plain English. Understand exactly why you owe what you owe.
Click any insurance term for an instant plain-English definition. No more googling "what does coinsurance mean" mid-calculation.
Copy your results to share with a family member, HR department, or financial planner. No account needed.
Plain-English guides to health insurance's most confusing topics
The answer surprises most people — and it depends on your specific plan type. Here's exactly how to check yours.
Your plan pays 80%, you pay 20% — but only after your deductible. Here's what it actually costs you in real dollars.
Once you've hit your deductible, coinsurance kicks in. Here's exactly what you pay — and when you pay nothing at all.
Every term defined in plain English