GratisAI
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health · local-first tool

Compare Marketplace Health Plan Costs Using Your Own Documents

Premiums, deductibles, and likely-use assumptions are different inputs; label them before comparing Marketplace plan estimates.

Compare user-supplied Marketplace plan premiums, deductibles, and out-of-pocket assumptions across a chosen period; show the arithmetic, not a recommendation.

What changes the result: your current Marketplace plan documents, expected-use scenario, and comparison period.

Privacy: Calculations run in this browser tab. This tool has no input-upload, account, or AI endpoint. The site may send a page-view signal to Cloudflare; this tool does not add form entries to that signal. A draft is stored only if you choose “Save draft on this device”; that browser storage is not encrypted. Avoid identifiers or sensitive details, and delete saved drafts when finished.

Your entries

The starting rows below are fictional examples. Edit them, replace them with non-sensitive labels and values, or load the sample again. The result is not advice or a source verification.

Amount fields use the same units you enter; the app does not choose a currency. Dates are the ones you provide. Up to 100 rows per run.

What the calculation does

For ordinary options, display ranges on the values the user entered without ranking the options. For the utility-rate version, calculate old rate times usage plus old fixed charge, and repeat with the new inputs. The estimate excludes any charge the user did not enter.

Question to keep open: Should the lowest premium lead, or is it more useful to compare a range of usage cases and the plan terms?

Boundary: HealthCare.gov's source concerns Marketplace plans, and actual costs depend on plan terms and care used. This is not insurance advice, eligibility screening, a coverage determination, or a prediction; confirm details in current plan documents with the insurer or a qualified navigator.

Copy includes the headline, aggregate metrics, and boundary—not the row-by-row input. The CSV contains entries you choose to download. Review it before sharing.