The math behind your health coverage decisions
Free, plain-English calculators for the health-insurance choices that actually cost money — subsidies, COBRA, deductions, Medicare surcharges. Every number is cited to a primary government source, and everything runs in your browser. No signup, no email, no data leaves your device.
Estimate my 2026 ACA subsidy →ACA Subsidy Calculator
Estimate your 2026 premium tax credit, see how close you are to the 400% subsidy cliff that returned this year, and find out if you qualify for cost-sharing reductions.
Estimate my subsidy → LiveCOBRA vs Marketplace
Lost your job? Compare the real monthly cost of keeping COBRA against a subsidized Marketplace plan — including the deductible-reset catch most comparisons skip.
Compare my options → LiveSelf-Employed Health Deduction
The circular Pub 974 calculation, done right: your deduction lowers your income, which raises your subsidy, which changes your deduction. We show every loop.
Solve the deduction → LiveMedicare IRMAA Calculator
See whether your income triggers a Part B and Part D surcharge in 2026, how close you are to the next bracket, and what dropping a tier would save.
Check my surcharge →Why CoverageMath?
Most health-insurance "calculators" exist to capture your phone number and sell it to an agent. Ours don't. There's no signup, no lead form, and no data leaves your browser. We build genuinely useful decision tools and show our work — the formulas, the data tables, and the primary sources behind every result — so you can check the math instead of trusting a black box.
Guides that explain the decisions
Numbers only help if you understand them. Our guides walk through the questions behind each calculator in plain English — every one cited to primary sources and kept current for 2026. Start with how ACA subsidies work, the 400% subsidy cliff, is COBRA worth it?, or Medicare IRMAA explained.
Built on public, citable data
Subsidy rules come from the IRS and HHS. Poverty guidelines come from ASPE. Medicare surcharges come from CMS and the Social Security Administration. Every year-dependent number on this site lives in an open data file with its source link and the date we last verified it — see our methodology.
This is reference information, not advice
CoverageMath provides estimates for education and planning only. It is not insurance, tax, legal, or financial advice. Final amounts are set by the Marketplace, the IRS, or the Social Security Administration. See our full disclaimer.