Independent information. Better questions. More clarity.How our estimates work
Healthcare costs, made clearer

Make sense of
your healthcare
costs.

More clarity before you choose a plan, book care, or question a bill. Explore free tools and practical guides built around your next decision.

Compare my plans Find my state
Free to useNo account neededPrivate calculations
Small details. Better decisions.
THE BIGGER PICTURE

Same care.
Different annual costs.

Illustrative
example
Allowed charges
Plan A $300/mo premium$8,800
Plan B $450/mo premium$8,600
Annual premiumsModeled care costs
$200Lower with Plan B in this scenario

Hypothetical plans, not quotes. One person, one deductible, then coinsurance. See inputs & assumptions →

01 / UNDERSTAND THE TOTALTry a scenario above ↑

Good decisions start
with reliable sources.

HealthCare.gov CMS.gov KFF Our methodology

YOUR QUESTIONS. A PRACTICAL START.

A little less guesswork.
A lot more understanding.

You do not need to know every insurance term. Start with the question in front of you, and take it one step at a time.

01

THE FULL-YEAR VIEW

Annual plan comparison

A monthly premium only tells part of the story. Compare two plans using your own deductible, coinsurance, and expected care spending.

Includes a downloadable worksheet
02

BEFORE YOU BOOK

Hospital cash-price comparison

Explore illustrative procedure ranges and questions to ask about facility and professional fees.

MRI, CT scans & other procedures
03

A MORE PREPARED CONVERSATION

State insurance checklist

Organize what to check with your marketplace, employer, or insurer before choosing coverage.

Practical steps for your state
04

UNDERSTAND THE BASICS

ACA subsidy estimator

Explore an illustrative subsidy scenario. Confirm eligibility, the coverage year, and current rules with your official marketplace.

Educational estimates, not eligibility decisions

FROM OVERWHELMED TO INFORMED

You bring the question.
We help with the next step.

Our tools give you a starting point for a real conversation. Here is how to get the most from them.

Understand our approach
01

Gather the actual details

Use plan benefit documents or a written provider estimate. Compare the same coverage year, service, and payment basis.

02

Explore the tradeoffs

Try different care-spending scenarios. Look at premiums and out-of-pocket spending together, and keep your assumptions visible.

03

Verify before deciding

Confirm coverage, networks, prescriptions, and prices with the official marketplace, insurer, or provider.

LOCAL CONTEXT MATTERS

Your state.
Your starting point.

Explore marketplace information, medical-cost ranges, and questions to ask locally. Currently covering 10 states.

10 states
CA

California

Los Angeles · San Francisco

FL

Florida

Miami · Tampa

GA

Georgia

Atlanta · Augusta

IL

Illinois

Chicago · Aurora

MI

Michigan

Detroit · Grand Rapids

NY

New York

New York City · Buffalo

NC

North Carolina

Charlotte · Raleigh

OH

Ohio

Columbus · Cleveland

PA

Pennsylvania

Philadelphia · Pittsburgh

TX

Texas

Houston · Dallas

State ranges are illustrative, not live quotes. See how to use them responsibly

THE LEARNING LIBRARY

Make the fine print
feel less complicated.

Explore the library

INSURANCE ESSENTIALS

A more human guide to health insurance.

Understand the words in your plan, how costs fit together, and what to ask before you enroll.

Read the guide

WHEN A BILL ARRIVES

Know what you are looking at.

Find the key details on a medical bill and prepare questions about unfamiliar charges.

Understand your bill

LESS JARGON. MORE CLARITY.

Copay. Coinsurance.
What is the difference?

A plain-language reference for the terms you keep seeing.

Open the glossary

A FEW THINGS TO KNOW

Good questions.
Clear answers.

We want you to understand both what these tools can do and where their limits are.

Still have a question?

ONE SMALL STEP, MORE CLARITY

Your next decision
can start here.

Put two plans side by side. Keep the comparison. Ask better questions.

Build my comparison