Health & money tools

Free, no-signup calculators for the financial side of your health decisions — insurance plans, HSAs and FSAs, medical costs, and major life events. Every tool shows real numbers and cites its sources.

6 guides

Guide COBRA vs ACA Marketplace: Which Is Cheaper After You Lose Your Job? After a layoff, COBRA lets you keep your plan — but a subsidized ACA marketplace plan is often far cheaper. How to compare and decide. Open → Guide HDHP vs PPO: Which Health Plan Actually Costs Less? A data-driven guide to choosing between a high-deductible HSA plan and a PPO — premiums, deductibles, out-of-pocket max, and the HSA tax edge. Open → Guide How Much Does It Cost to Have a Baby in 2026? The real out-of-pocket cost of pregnancy and childbirth with insurance — vaginal vs C-section, deductibles, and the first-year budget. Open → Guide How Much Does IVF Cost? A Cycle-by-Cycle Breakdown What one IVF cycle really costs — medications, monitoring, and the odds — plus how to budget for multiple cycles. Open → Guide Is an HSA Worth It? The Triple Tax Advantage, Explained Why a Health Savings Account is the most tax-efficient account most people ignore — and how to turn it into a retirement powerhouse. Open → Guide Medical Debt in Collections: What Happens and How to Clear It What happens when a medical bill goes to collections, your rights, and a step-by-step payoff plan — including the new credit-report rules. Open →