What is Health Plan Simulator?
Free health insurance cost calculator. Compare PPO, HMO, and HDHP plans with HSA/FSA benefits. Calculate annual costs, deductibles, and tax savings to find the best health plan for your family based on potential health scenarios.
Problem
Users manually compare health insurance plans (PPO, HMO, HDHP) using spreadsheets/advisor consultations, facing time-consuming processes and error-prone tax/annual cost calculations
Solution
A free online calculator tool that enables users to simulate out-of-pocket costs across plans with scenarios like doctor visits/prescriptions and calculate tax savings via HSA/FSA integration
Customers
Self-employed individuals, families, HR professionals, and small business owners seeking cost-effective health plans
Unique Features
Scenario-based simulations (e.g. emergency vs routine care), side-by-side plan comparisons with HSA tax advantages, and customizable family health event inputs
User Comments
Simplifies insurance comparisons instantly
Saves hours of spreadsheet work
Clear visualization of long-term costs
Reveals hidden tax savings opportunities
Critical for open enrollment decisions
Traction
Featured on ProductHunt (2023 launch), 15k+ monthly users, integrated with IRS HSA/FSA guidelines
Market Size
US private health insurance market reached $1.4 trillion in 2023 with 177M+ covered individuals (CDC/NCHS data)
