Free tools
Run the numbers yourself, before you talk to anyone.
Five calculators, no sign-up, no email gate. Everything runs in your browser — nothing you type is transmitted, stored or logged, and nobody calls you afterwards.
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Medicare enrollment window checker
Your Initial Enrollment Period, Medigap window and coverage start dates, from one date of birth.
Open the tool -
ACA subsidy estimator
Where your household lands against the poverty level, and whether cost-sharing reductions are in range.
Open the tool -
Life insurance needs calculator
Debts, income replacement, education and final expenses, minus what you already have.
Open the tool -
Part D total cost estimator
Compare drug plans on annual total cost, not on the monthly premium.
Open the tool -
Retirement income gap calculator
Essential expenses against guaranteed income — the gap that decides everything else.
Open the tool
What we do not do with these
We do not collect what you type, we do not build a lead from it, and we do not sell or share anything. There is no analytics call carrying your inputs and no hidden form submission. If you want a person to look at your numbers, you have to ask us — and then it is still free.
Talk to someone
Read us the mail you don’t understand. We’ll go through it line by line.
A phone call or a video call, from wherever you are — hold the page up to the camera if that is easier. Whatever gets you a straight answer fastest.
- $0 Cost for our help
- NPN 14656745 Licensed & appointed
- Nationwide By phone or video
Questions
About the calculators.
Do I have to give an email address to use these?
No. There is no sign-up, no gate and no form to fill in first. Every calculator runs in your browser, and nothing you enter is transmitted, stored or logged anywhere.
How accurate are the results?
They are accurate to the inputs you give them, and each tool states plainly what it cannot account for. They are built for orientation — to tell you roughly where you stand and what question to ask next. Before acting on a number, have a licensed person check it against your actual county, carrier and health history.
Will someone call me if I use a calculator?
No. Nothing you enter reaches us. We only hear from you if you choose to call or send the contact form.
Can you run the proper version for me?
Yes, at no charge. The real version accounts for your county’s plan slate, current formularies, your specific prescriptions and pharmacy, your health history for underwriting, and the actual quoted rates. That is the work these calculators are a preview of.