Hey Product Hunt! I'm Mehdi, a healthcare integration engineer who works with medical billing systems every day. Last open enrollment, I spent hours trying to figure out whether COBRA or an ACA Marketplace plan was cheaper after a job change. I pulled up spreadsheets, read IRS publications, and dug through KFF data — all to answer a question that should take 30 seconds. Then I realized: every existing tool was either owned by a bank trying to open me an account, an insurance company trying to sell me a policy, or a thin calculator clone with no real depth. Nobody had built a neutral, no-agenda toolkit for the money side of healthcare. So I built MyCareCalc — 9 interactive calculators covering the questions Americans ask most: → COBRA vs ACA — which is actually cheaper? → HSA triple tax savings — federal + state + FICA → Out-of-pocket cost breakdown — deductible, coinsurance, OOP max → Medical debt payoff — with negotiation discount modeling → ACA subsidy estimator — based on income and FPL → FSA savings — with forfeiture risk warnings → Prescription cost comparison — insurance vs GoodRx vs Cost Plus → Medical tax deduction — does itemizing beat the standard deduction? → Emergency fund calculator — sized to your actual plan The principles I built it on: 🔒 Privacy first — all math runs in your browser. Zero data collected, stored, or transmitted. Ever. 🚫 No conflicts — no affiliate links, no insurance quotes, no account signups. Just neutral answers. 📐 Show your work — every calculator cites its sources (IRS, CMS, HHS, KFF) and explains the formula. With ACA premiums rising ~26% for 2026 and open enrollment starting November 1, I wanted these tools live and free before people need them. I'd love your feedback — what calculators would you add? What's confusing about healthcare costs that a tool could solve? Let me know in the comments.

HealthFinance Tools

Free calculators for the money side of healthcare

Free calculators for the money side of healthcare