MarklyInsurance

    Insurance category

    Health Insurance

    Compare ACA plans, HDHPs, PPOs, HSAs, FSAs, and Medicare with clear cost estimators and decision tools.

    Health Insurance Calculators

    9 free, private tools

    Health Insurance Cost Estimator

    Estimate total annual health insurance cost including out-of-pocket.

    Open

    HSA-Eligible HDHP vs PPO Comparison

    Compare a high-deductible HSA plan against a traditional PPO.

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    HSA Future Value Calculator

    Project the tax-free growth of a health savings account.

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    FSA Contribution Estimator

    Decide how much to put in a flexible spending account.

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    Medicare Supplement (Medigap) Cost Estimator

    Estimate Medigap premiums alongside Medicare Part B.

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    Medicare IRMAA Estimator

    Check if your income triggers Medicare income-related surcharges.

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    COBRA Continuation Cost Calculator

    Estimate the full cost of COBRA coverage after job loss.

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    Out-of-Pocket Maximum Impact Calculator

    See worst-case annual spending under a health plan.

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    ACA Premium Tax Credit Estimator

    Estimate your ACA marketplace premium subsidy.

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    Health Insurance Guides

    9 expert-written articles

    Icon illustration of health insurance plan cards with a checkmark for choosing a plan

    How to Choose the Right Health Insurance Plan in 2026

    Compare premiums, deductibles, networks, and out-of-pocket caps to pick the best plan.

    11 min read
    Icon illustration comparing HSA investment growth and FSA use-it-or-lose-it rules

    HSA vs FSA: Which Tax-Advantaged Account Is Better?

    Compare contribution limits, rollover rules, and portability to choose the right account.

    9 min read
    Icon illustration of a marketplace storefront with an insurance card for ACA enrollment

    The ACA Marketplace: A Complete Health Enrollment Guide

    Navigate marketplace plans, subsidies, and special enrollment periods with confidence.

    10 min read
    Icon illustration of a balance scale weighing a low premium against a high deductible

    High-Deductible Health Plans: Are They Right for You?

    Weigh lower premiums against higher out-of-pocket costs to decide if an HDHP fits.

    9 min read
    Icon illustration of a Medicare card with a shield and calendar for eligibility

    Medicare Eligibility and Enrollment: What You Need to Know

    Understand Medicare parts, enrollment windows, and penalties to avoid costly mistakes.

    11 min read
    Icon illustration of a bridge over a gap representing short-term health insurance

    Short-Term Health Insurance: Uses, Limits, and Risks

    Understand when short-term plans help and the gaps they leave.

    8 min read
    Icon illustration of a glossary card with health insurance terms premium, deductible, copay

    Health Insurance Terms Every US Consumer Should Know

    Decode premiums, deductibles, coinsurance, and more with clear definitions.

    7 min read
    Icon illustration comparing two insurance plan cards for COBRA continuation coverage

    COBRA Continuation Coverage: Costs and Alternatives

    Decide whether to keep your employer plan via COBRA or switch to the marketplace.

    8 min read
    Icon illustration of a checklist clipboard with insurance plan cards for open enrollment

    Health Insurance Open Enrollment: Your Annual Checklist

    Make the most of open enrollment with a step-by-step review process.

    8 min read

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