Compare health plans by total cost, usage scenarios, and financial exposure — not just monthly premiums.
Health insurance costs depend heavily on how and when you use care.
Estimate total annual cost across different health insurance plans.
See how low, typical, or high medical usage changes what you actually pay.
Evaluate whether an HSA-eligible plan makes financial sense for you.
Understand how much cash you may need available for deductibles and cost-sharing.
The monthly premium is just your ticket to the game. The deductible determines when the insurance company starts sharing the cost. Our tools visualize the crossover point where a higher premium plan might actually save you money based on your health history.
This is your absolute financial safety net. Understanding the "worst-case scenario" is critical for emergency fund planning. We help you calculate exactly how much liquidity you need to weather a major medical event without debt.
Health costs are rarely linear. Co-insurance, co-pays, and network tiers create a complex web of financial obligations. We strip away insurer jargon to show you the net impact on your bank account, not just the claims report.
These tools don't operate in isolation. By combining plan comparisons with usage simulators, you get a comprehensive view of your financial risk profile across different life stages and medical needs.
Health is unpredictable. Our simulators account for statistical variance, allowing you to stress-test your chosen plan against unexpected diagnoses, accidents, or chronic condition management.
We help you visualize best-case, typical, and worst-case outcomes. This mathematical approach removes the emotional stress of insurance shopping, replacing it with data-driven confidence.
Analyze tradeoffs across your entire insurance portfolio.