Health Insurance Tools & Calculators
Quick answers to the questions I hear most for 2027: am I over the subsidy line, what will COBRA cost, roughly what will a plan cost and can I sign up right now. No sign-up, no contact details.
Which Health Plan Fits Me? Quiz
Six quick questions about your household, income, health and timing. I'll tell you whether a Marketplace plan with a tax credit or a private plan likely fits you better, and why.
2027 Subsidy Cliff Calculator
Enter household size and expected income to see if you're over the 400 percent line where Marketplace tax credits stop, and by how much.
COBRA Cost Calculator
See what keeping your job's plan will cost a month and in total, compare it with another quote, and get your 60-day Marketplace deadline.
Health Insurance Price Estimator
A quick estimate of what a health plan may cost for your age, state and household, before you ask for a real quote.
Can I Enroll Right Now?
Answer two questions to see whether you can sign up today, through open enrollment, a special enrollment period or a private plan.
2027 Rate Increases by State
How much individual health insurance prices are going up for 2027 in each of the 31 states where I'm licensed.
Health Insurance Rules by State
Enrollment windows, exchanges and state rules that change your options, state by state.
General information, not tax advice — confirm with your CPA based on your specific entity structure.
Common questions
Do these tools cost anything?
No. They're free to use, with no sign-up and no contact details required.
Are the results a quote?
No. They're estimates based on public 2027 figures. A real quote depends on your age, location, household and, for private plans, your health answers. I can run real numbers with you by phone or video.
Which tool should I start with?
If you're not sure what kind of plan you need, start with the Which Health Plan Fits Me? quiz. If you buy your own coverage, start with the subsidy cliff calculator. If you're leaving a job, start with the COBRA cost calculator. If you're not sure you can enroll yet, start with Can I Enroll Right Now?
Want real numbers instead of estimates? Get a quote and I'll compare Marketplace and private plans side by side, at no cost to you.