What this is
CoverageMath is a small, independent site of free health-insurance decision calculators. We focus on the formula-driven choices where a clear, cited calculation genuinely helps: how big your ACA subsidy is, whether COBRA or a Marketplace plan is cheaper, how the self-employed health insurance deduction interacts with your subsidy, and whether your income triggers a Medicare surcharge.
Who it's for
Anyone weighing a coverage decision — people shopping the Marketplace during open enrollment, workers who just lost employer coverage, the self-employed, and people approaching Medicare. You don't need to know what "MAGI" or "SLCSP" means; every page explains its terms in plain language.
How we make money
The site is supported by a small number of clearly-labeled display ads, served by Google AdSense, on the home page and calculator pages — policy and reference pages like this one stay ad-free. That's the entire business model: no paid tiers, no affiliate commissions, and no lead capture. The calculators themselves run entirely in your browser, and the numbers you enter never leave your device, so there's no data to sell. We will not turn this into a lead-capture funnel that sells your information to insurance agents — that's precisely the thing we built CoverageMath to avoid. See the privacy policy for how ads and analytics use cookies.
Contact & corrections
Found a number that disagrees with a primary source, or have a suggestion? Email james@coveragemath.com. We treat any mismatch with the IRS, HHS, CMS, or SSA as a defect and fix it promptly. See our editorial policy and methodology for how we source and review everything.