EnrollMath
Comparisons · Updated

Health plan calculators compared

Most free calculators do one job: HSA vs PPO, or COBRA, or marketplace subsidies. EnrollMath does all three with one set of inputs, uses 2026 and 2027 IRS figures, and charts your break-even point, free with no signup.

Reviewed Oct 14, 2026; features change.

FeatureEnrollMathTypical HDHP vs PPO calculatorsOfficial subsidy estimators
HSA vs PPO break-even chartYesSome (table)No
2026 and 2027 limitsYesOften 2026 onlyN/A
COBRA with deductible already metYesNoNo
Tax credit from your own benchmark quoteYesNoUses ZIP-based plans
Employer vs marketplace + affordability testYesNoPartly
Share linkYesRareNo

For real plan prices in your ZIP, use HealthCare.gov or your state marketplace, then bring the numbers here.

General education, not insurance, tax or legal advice. Figures from IRS and HHS publications; confirm with your plan documents.

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