7 calculators in this category
- Deductible, Coinsurance & Out-of-Pocket CalculatorACA cost-sharing limits, 45 CFR §156.130A medical bill is split between you and your plan in a fixed order: copay first, then the deductible until it is satisfied…
- HDHP vs PPO Total Cost CalculatorIRS Rev. Proc. 2024-25 (2025 HSA/HDHP limits)Premium alone never decides which health plan is cheaper. A high-deductible plan trades a lower premium for a larger bill when…
- ACA Premium Tax Credit CalculatorIRC §36BThe ACA premium tax credit is not a percentage discount on your plan. It is the gap between the benchmark silver premium in…
- COBRA Premium Cost CalculatorIRC §4980B / ERISA Part 6 (COBRA)COBRA lets you keep your employer's health plan after you leave, but it does not let you keep your employer's contribution…
- Life Insurance Needs Calculator (DIME Method)DIME frameworkDIME sizes a death benefit by adding four things your family would have to fund without you — D ebt and final expenses, I ncome…
- Term vs Whole Life Cost Comparison CalculatorNAIC Life Insurance Disclosure Model Regulation — interest-adjusted cost indexesComparing whole life against term by looking at the premiums is meaningless, because the two products deliver different things…
- Disability Insurance Benefit CalculatorIRC §104(a)(3) and §105(a) — taxability of disability benefitsA policy advertised as replacing 60% of income rarely replaces 60% of income. Four things stand between the headline percentage…
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