CostKits offers 6 free, interactive healthcare cost tools: a budget explorer, procedure estimator, cost forecaster, bill analyzer, and two cost maps (by state, by provider). Unlike tools built on scraped averages, every estimate uses real claims-based pricing data — built by a healthcare actuary (FSA, MAAA) with 20+ years pricing insurance claims. Try each tool live, embed it on your site with one script tag, or query the REST API. No sign-up required.
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Maker
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Hey Product Hunt 👋
I'm John, a healthcare actuary (FSA, MAAA) with 20+ years pricing insurance claims. I built CostKits because every "healthcare cost calculator" I found online was either a lead-gen form or built on scraped, self-reported averages that don't hold up against real claims data.
This page bundles 6 free tools, all live and interactive right on the page (no click-through, no sign-up):
Budget Explorer - see what a realistic annual healthcare budget looks like for your life stage
Procedure Cost Estimator - what YOU will actually pay for a procedure, given your deductible/coinsurance/OOP max
Cost Forecast - plan spending across the year and see when you'll hit your out-of-pocket max
Medical Bill Analyzer - walks through a bill line by line to flag likely overcharges and billing errors
Procedure Cost Map - state-by-state price variation for the same procedure (it's often 3–5x)
Provider Cost Map - ZIP-code lookup to compare nearby facility prices
Every tool is also embeddable on your own site with a single script tag, and there's a REST API if you want to build on the underlying pricing data directly.
Would love feedback, especially from anyone who's dealt with a confusing medical bill or is trying to budget for a procedure — what's missing, what's confusing, what would you want next?
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How often does the underlying claims data get refreshed, and does the bill analyzer need the itemized CPT codes or can it work from a summary total alone?
Report
Maker
@salihaamhx Great question. The reference data behind the analyzer is refreshed quarterly, and API responses include a data_vintage so users can see which refresh they’re using.
On the bill side: A summary total alone can tell us very little reliably. We can sometimes flag non-code issues if the EOB text includes things like out-of-network emergency care, balance billing, denial language, or deductible applied to a preventive/screening service. But the main bill-analyzer checks need itemized line items, ideally CPT/HCPCS codes plus billed/allowed/member-responsibility amounts. Without those, the safest output is usually: request the itemized bill.
Report
How current is the claims data underneath the estimates, and how often does it get refreshed as new procedures and providers come online?
Report
Maker
@berencamba28643 Great question. One nuance: we’re not using a live insurer claims feed underneath this today. CostKits is more “claims-aware” than “claims-data powered”: it uses CPT/HCPCS logic, Medicare allowed amount benchmarks, CMS fee schedules, coding/bundling rules, and provider/facility reference data.
Our plan is to refresh that reference layer quarterly, with off-cycle updates when a meaningful rule, fee schedule, or provider/procedure mapping changes. New procedures/providers get added through the catalog and benchmark layer as we expand coverage.
We’ll also fold in crowdsourced claim/EOB data once we have enough volume for it to be statistically useful, with appropriate privacy protections and aggregation. Until then, we’d rather be transparent about the benchmark/rules-based approach than imply we have a live claims warehouse behind it.
How often does the underlying claims data get refreshed, and does the bill analyzer need the itemized CPT codes or can it work from a summary total alone?
@salihaamhx Great question. The reference data behind the analyzer is refreshed quarterly, and API responses include a data_vintage so users can see which refresh they’re using.
On the bill side: A summary total alone can tell us very little reliably. We can sometimes flag non-code issues if the EOB text includes things like out-of-network emergency care, balance billing, denial language, or deductible applied to a preventive/screening service. But the main bill-analyzer checks need itemized line items, ideally CPT/HCPCS codes plus billed/allowed/member-responsibility amounts. Without those, the safest output is usually: request the itemized bill.
How current is the claims data underneath the estimates, and how often does it get refreshed as new procedures and providers come online?
@berencamba28643 Great question. One nuance: we’re not using a live insurer claims feed underneath this today. CostKits is more “claims-aware” than “claims-data powered”: it uses CPT/HCPCS logic, Medicare allowed amount benchmarks, CMS fee schedules, coding/bundling rules, and provider/facility reference data.
Our plan is to refresh that reference layer quarterly, with off-cycle updates when a meaningful rule, fee schedule, or provider/procedure mapping changes. New procedures/providers get added through the catalog and benchmark layer as we expand coverage.
We’ll also fold in crowdsourced claim/EOB data once we have enough volume for it to be statistically useful, with appropriate privacy protections and aggregation. Until then, we’d rather be transparent about the benchmark/rules-based approach than imply we have a live claims warehouse behind it.