Explore coverage needs. Plan for financial risks.
Consider support for your family, an income gap if you cannot work and the costs of different health plans. Open a question to see its planned calculator and what to have ready.
What would you like to work out?
These three calculators are in preparation. Open a question to see its planned purpose and what to have ready. You can keep more than one open.
Life Insurance Needs Calculator How much life insurance might my family need?
Life Insurance Needs Calculator
Explore the financial support your household might need after a death, including ongoing expenses, unpaid care and one-time goals. The planned calculator will compare those needs with existing coverage and available resources.
Before you start
Gather household expenses, support years, caregiving replacement costs, debts, one-time goals, existing life coverage and resources available to survivors. If a debt would be paid off, avoid also counting its ongoing payments for the same period.
Calculator in preparation
Disability Income Gap Calculator How would my household manage if I could not work?
Disability Income Gap Calculator
Explore the gap between essential expenses and available income during a period when you cannot work. The planned calculator will consider benefit waiting periods, payment duration and how long accessible savings could help.
Before you start
Have essential expenses, other household income, accessible savings and benefit summaries ready. Check when payments start and end, whether other benefits reduce them, and whether the amounts are before or after tax.
Calculator in preparation
Health Plan Cost Comparison Calculator Which health plan could cost me less over a year?
Health Plan Cost Comparison Calculator
Compare estimated annual costs for the same care-use scenarios under different health plans. The planned comparison will separate premiums, cost sharing and applicable employer funding, while making plan limits and assumptions clear.
Before you start
Gather each plan’s coverage period, household tier, premium share and Summary of Benefits and Coverage. Note deductibles, copays, coinsurance, out-of-pocket limits, employer funding, provider networks and prescription coverage. Use comparable care scenarios for each plan.
Calculator in preparation
A few useful distinctions
Can a life insurance estimate tell me which policy to buy?
No. A needs estimate explores a potential funding gap; it does not provide a quote, determine eligibility or select a policy. Consider who depends on your income or unpaid care, how long support may be needed, and which resources are genuinely available. Review policy terms separately.
Would disability benefits replace all of my income immediately?
Do not assume that. Check your policy or benefit summary for payment amounts, waiting periods, duration and reductions for other benefits. Tax treatment can also affect the amount available to spend. A household cash-flow estimate does not determine whether an insurer or benefit program will approve a claim.
Does the health plan’s out-of-pocket maximum include every cost?
No. Premiums are separate. The limit generally applies to covered in-network care; uncovered services, out-of-network care and charges above allowed amounts can fall outside it. Compare total annual costs and check providers, prescriptions and family cost-sharing rules—not just the deductible or premium.
Official guides for a closer look
NAIC: understand life insurance
Review coverage types, household needs and questions to ask when considering a policy.
NAIC: understand disability insurance
Review policy definitions, benefit timing and coverage terms; use your own benefit documents for specific amounts.
HealthCare.gov: compare total health-plan costs
Consider premiums and what you pay for care over the same coverage period.
HealthCare.gov: understand out-of-pocket limits
Check which costs count toward the limit and which remain separate.