Welcome to the Obamacare Cost Evaluation Tool

 LATEST UPDATES: 2/9/2014 - Colorado, Massachusetts, and Washington plans have been added!

The tool on this web site will allow you to compare the total out of pocket costs for purchasing a qualified health plan on the insurance marketplace and the equivalent cost if you were to forgoe insurance coverage and pay the tax penalty and retail for health care services. By manipulating the expected health care services you might incur over the year, you can perform a "what-if" analysis to help determine which approach better meets your financial situation.


In order to proceed to the analysis, you must read and acknowledge the disclaimer below.
The data on this site is derived from a variety of sources and has not been approved or confirmed by any government entity or health plan. It should be viewed as estimated data for evaluation purposes only. Actual premium costs, benefit plan deductibles, copays, coinsurance, and out of pocket limits can only be confirmed by the health plan offering the coverage. Actual health care costs will differ from the averages given here based on individual circumstances. The author of this site does not warrant or guarantee in any way that the data presented here will reflect individual consumer experience.

The Affordable Care Act (ACA) mandates that all Americans, with certain exemptions, enroll in a qualified health plan (QHP) or incur a tax penalty. ACA underwriting presumes that the majority of uninsured people will enroll in a QHP. The presentation of comparison data on this site between the costs of enrolling in a QHP or incurring the tax penalty and paying retail costs for services should not be construed as a recommendation to not enroll for coverage. This page is offered only as a tool to help consumers make informed decisions about their individual finances.

Data Sources:
  • Premium and coverage data for the following states was obtained from healthcare.gov reporting resources: AK, AL, AR, AZ, DE, FL, GA, IA, ID, IL, IN, KS, LA, ME, MI, MO, MS, MT, NC, ND, NE, NH, NJ, NM, OH, OK, PA, SC, SD, TN, TX, UT, VA, WI, WV, WY
  • Premium and coverage data for the following states was obtained from the individual state insurance exchange reporting resources: CA, CO, CT, DC, HI, KY, MA, MD, MN, NV, NY, OR, RI, VT, WA
  • Premium and coverage research is still ongoing for the following states: CT, DC, HI, KY, MD, NV, OR, RI, VT
  • Health care cost data was derived by applying county level cost of living indexes to national health care average costs by type of service.
Information Disclosure - this web site does not capture, retain, release, or distribute any user information in any form. No personal identifying information other than age, zip code, and salary is required to use the analysis tool.
 I have read and acknowledge the above disclaimer.

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