Last updated: April 10, 2026
By accessing and using Health Insurance & Medical Cost Calculators (healthcosttools.com), you agree to be bound by these Terms of Service. If you do not agree to these terms, please do not use our website.
Health Insurance & Medical Cost Calculators provides free, browser-based calculator tools for educational purposes. Our tools help users estimate health insurance costs, compare plans, calculate ACA subsidies, estimate procedure costs, compare HSA and FSA options, and understand Medicare expenses. All calculations are performed entirely in your browser — no data is sent to or stored on our servers.
The information and tools provided on this website are for educational and informational purposes only. They do not constitute medical, financial, legal, or tax advice. Results generated by our calculators are estimates and may not reflect your actual healthcare costs or insurance situation. You should consult with a qualified healthcare provider, insurance advisor, or financial professional before making decisions about your health insurance or medical care.
While we strive to keep our calculators accurate and up to date with current healthcare costs, ACA regulations, Medicare rates, and insurance plan structures, we make no guarantees about the accuracy, completeness, or timeliness of any information provided. Healthcare costs, insurance plans, and government programs may change without notice. Actual costs may vary significantly based on your location, provider, insurance plan, and individual circumstances.
This website and its tools are provided "as is" and "as available" without warranties of any kind, either express or implied. We do not warrant that the site will be uninterrupted, error-free, or free of viruses or other harmful components.
In no event shall Health Insurance & Medical Cost Calculators, its owners, or contributors be liable for any direct, indirect, incidental, special, or consequential damages arising from the use or inability to use this website or its tools, including but not limited to damages from incorrect cost estimates or insurance plan decisions, even if advised of the possibility of such damages.
All content on this website, including text, graphics, logos, and calculator code, is the property of Health Insurance & Medical Cost Calculators and is protected by applicable intellectual property laws. You may use the calculators for personal, non-commercial purposes. You may not copy, modify, distribute, or create derivative works from our content without prior written permission.
Our website may contain links to third-party websites for informational purposes. We are not responsible for the content, privacy practices, or accuracy of any third-party sites. Inclusion of a link does not imply endorsement.
We reserve the right to update these Terms of Service at any time. Changes will be posted on this page with an updated revision date. Your continued use of the website after changes are posted constitutes acceptance of the revised terms.
If you have questions about these Terms of Service, please contact us through our GitHub repository at github.com/studentloancalcs.