Disclaimer & Legal
Please read the following disclosures carefully before relying on any results from our calculators.
Important Notice: Estimates Only
Health Plan Calculator provides educational, illustrative estimates only. This website is not affiliated with the Centers for Medicare & Medicaid Services (CMS), the Health Insurance Marketplace, the Social Security Administration, the Internal Revenue Service, or any insurance carrier including Kaiser Permanente. All figures — including ACA subsidy amounts, HSA contribution limits, Medicare premiums, IRMAA brackets, and penalty calculations — are projections based on publicly available 2026 program parameters and are subject to change without notice.
Not Financial, Tax, or Medical Advice
Nothing on this site constitutes financial, tax, legal, insurance, or medical advice ("Your Money or Your Life" / YMYL content). Results should not be used as the sole basis for enrollment decisions. Always verify your specific eligibility and costs directly with HealthCare.gov, your state marketplace, the Social Security Administration, Medicare.gov, or a licensed insurance broker or tax professional before making coverage or contribution decisions.
No Warranty
Calculations are provided "as is" without warranties of any kind, express or implied. Health Plan Calculator and its operators are not liable for any decisions made based on the estimates provided by this tool.
Privacy Policy
We do not store, transmit, or sell any personal or financial information you enter into our calculators. All calculations occur locally in your browser and are never submitted to a server.