Health & Medical
Navigate healthcare costs with confidence. Calculate HSA growth, estimate medical expenses, compare health plans, project out-of-pocket costs, and plan for Medicare.
Health Plan Price Estimator
Compare estimated monthly prices, deductibles, copays and service limits for 14 health coverage options. Estimates are not quotes or enrollment approval.
HSA Calculator
Explore hypothetical HSA growth with combined contribution ceilings and an illustrative personal federal deduction benefit.
Medical Expense Calculator | Illustrative Budget
Illustrate one person's annual premiums and shared-pool deductible/coinsurance costs using covered in-network allowed charges, without copays or coverage decisions.
Health Plan Cost Comparison | Illustrative Budget
Compare two entered one-person annual health budgets using monthly premiums, covered in-network allowed charges and stated cost-sharing assumptions.
Out-of-Pocket Cost Calculator | Illustrative Care Share
Model one person's deductible and coinsurance share of covered in-network allowed charges for a fresh US plan year. Premiums and copays excluded.
Medicare Cost Calculator | 2026 Budget
Estimate a fixed-reference 2026 Original Medicare budget with full Part B and Part D income adjustments, entered Medigap premiums and annual costs.
FSA Calculator | 2026 Illustration
Illustrate 2026 health and dependent-care FSA contribution ceilings and savings using assumed marginal tax rates.
About Our Health & Medical Calculators
Healthcare costs are one of the largest and most unpredictable expenses in any household budget. Our health and medical calculators help you navigate insurance options, optimize tax-advantaged health accounts, and plan for both routine and unexpected medical expenses.
All calculations are performed locally in your browser. Your health and financial data is never transmitted to any server.
Understanding Health Savings Accounts
HSAs offer a triple tax advantage: contributions are tax-deductible, growth is tax-free, and withdrawals for qualified medical expenses are tax-free. For 2026, contribution limits are $4,300 for individual coverage and $8,550 for family coverage, with an additional $1,000 catch-up contribution for those 55 and older. Unlike FSAs, HSA funds roll over indefinitely and can be invested for long-term growth.
FSAs (Flexible Spending Accounts) allow you to set aside pre-tax dollars for medical expenses, with a 2026 limit of $3,300 for healthcare FSAs and $5,000 for dependent care FSAs. The key difference from HSAs is the "use it or lose it" rule — though many employers offer a $640 rollover or 2.5-month grace period.
Frequently Asked Questions
When comparing health plans, look beyond the monthly premium. Calculate total annual cost: (12 × monthly premium) + expected out-of-pocket costs based on your anticipated healthcare usage. A plan with a $500/month premium and $1,000 deductible may cost less overall than a $300/month plan with a $5,000 deductible if you have regular medical needs.
Medicare eligibility begins at age 65. Part A (hospital insurance) is premium-free for most people. Part B (medical insurance) has a standard 2026 premium of $202.90/month, with income-related surcharges (IRMAA) for higher earners. Part D (prescription drugs) premiums vary by plan. Our Medicare Cost Calculator estimates your total Medicare expenses based on income and coverage choices.
Out-of-pocket maximums for 2026 ACA marketplace plans are $9,450 for individual coverage and $18,900 for family coverage. Once you reach this limit, your insurance covers 100% of covered services for the rest of the plan year.