Free health cost calculators — understand what you'll actually pay

Maximize your HSA and FSA, estimate insurance premiums, project out-of-pocket costs, and figure out Medicare. No sign-up, no data collected — just clear answers.

HSA Calculator See your annual tax savings and project long-term growth on HSA contributions. FSA Calculator Calculate FSA tax savings and understand use-it-or-lose-it rules. Health Insurance Premium Estimator Get ACA premium estimates by state, age, and income with subsidy calculations. Out-of-Pocket Cost Estimator Understand deductibles, copays, coinsurance, and out-of-pocket maximums. Medicare Premium Calculator Estimate Medicare Parts A, B, D and Medigap costs based on your income. Medical Bill Savings Calculator See how much you can save by negotiating medical bills or settling.

Why we built this

Health costs are confusing. Between HSA limits, FSA rules, insurance tiers, deductibles, and subsidies, most people can't figure out what they'll actually pay for health care. We built Health Cost Tools because we wanted a fast, accurate, no-nonsense set of calculators for people who just want to see the math. Every tool here is free, requires no account, and shows the full breakdown behind every number.

We are not medical professionals or financial advisors and nothing on this site is medical advice or financial advice. These are calculators, not recommendations. For decisions about health insurance, coverage options, or medical treatment, consult qualified professionals.