Updated for 2026 regulations
Health Insurance &
Medical Finance Calculators
Estimate out-of-pocket limits, tax-advantaged contributions, and monthly premiums using calculators built from official IRS, CMS, and Healthcare.gov data.
HSA Contribution Calculator
Find your 2026 maximum Health Savings Account contribution based on coverage type and age, including catch-up amounts for 55+.
Medicare Part B & IRMAA
Calculate your monthly Medicare Part B premium including any Income-Related Monthly Adjustment Amount surcharge.
Out-of-Pocket Maximum
See how a medical bill splits between you and your insurer using the deductible → coinsurance → OOP max cascade.
ACA Subsidy & FPL
Check whether your household qualifies for Marketplace premium tax credits under the 2026 rules and the returning 400% FPL cliff.
COBRA & Mini-COBRA
Estimate your monthly continuation-coverage cost after leaving an employer, with Federal COBRA and state Mini-COBRA rules.
Medical Debt Statute
Check if your medical debt has exceeded the statute of limitations in your state based on the date of your last payment.
FSA Tax Savings Calculator
Calculate your pre-tax savings and view 2026 IRS carryover limits ($680) to avoid the use-it-or-lose-it trap.
Hospital Bill Negotiation Estimator
Calculate your fair-price settlement target, FPL charity care eligibility, and ACA 501(r) payment plan options to fight medical debt.
Medicare Plan Decision Engine
Answer 3 simple questions to determine whether Original Medicare + Medigap or Medicare Advantage fits your lifestyle and budget.