ℹ️ About

About MyHealthCostCalculator

Health insurance in America is complicated by design. Deductibles, copays, coinsurance, out-of-pocket maximums — the system uses jargon that keeps ordinary people in the dark about what they'll actually owe until the bill arrives.

We built MyHealthCostCalculator to change that. Our tools show you the exact math behind every cost estimate — not just a number, but a step-by-step explanation of why you owe what you owe.

Our Mission

To give every American the tools to understand their health insurance costs before treatment — not after the bill arrives. We believe financial clarity in healthcare is a right, not a privilege.

What Makes Us Different

We show the math. Every calculator shows a step-by-step breakdown of exactly how your cost was calculated in plain English.
We explain every term. Every insurance term on our site links to a plain-English glossary definition.
Zero conflicts of interest. We are not affiliated with any insurance company, broker, or healthcare provider. We do not sell insurance. We do not earn commissions. Our only goal is accuracy.
Your data is private. All calculations happen in your browser. We never see, store, or transmit the numbers you enter.
Always up to date. Our calculators reflect current IRS limits, ACA rules, and CMS guidelines for the current plan year.

Accuracy & Sources

Our calculators are built using official figures from:

HealthCare.gov — ACA marketplace rules and out-of-pocket limits
IRS.gov — HSA contribution limits and HDHP thresholds
KFF (Kaiser Family Foundation) — Employer coverage data and deductible averages
CMS.gov — Medicare and Medicaid guidelines

⚠️ Important: Our tools provide estimates for educational and informational purposes only. Always verify your specific costs with your insurance provider before making healthcare decisions. See our full disclaimer.

Contact Us

Have a question, found an error, or want to suggest a new tool? We'd love to hear from you. Contact us here →