Open Enrollment Tools

Free health insurance open enrollment tools for the 2027 plan year: ACA premium tax credit estimator, plan cost comparison, HSA and FSA calculators, deductible calculator and key dates. No sign-up. Estimate your ACA premium tax credit, compare what plans really cost you over a year, and work out your HSA and FSA. Free, no sign-up, and everything runs in your browser. Estimate my ACA subsidy Compare plans. ACA subsidy calculator (2027) Estimate your ACA premium tax credit for 2026 or 2027 from household size, income and benchmark premium. Shows your expected contribution, monthly credit and the 400% poverty line cutoff.