Insurance
How much cover you need is a calculation; which policy to buy is not, and these tools deliberately stop at the first. Every estimate states the method it used (human life value, income replacement, needs analysis) because those methods disagree by large multiples and the disagreement is the useful information.
Life
Health
Health Insurance Premium EstimatorFamily floater health premium estimate. Premium rises with the square root of cover rather than proportionally, so doubling the sum insured typically costs around forty percent more, which makes higher cover unusually good value.Copay and Coinsurance CalculatorWhat you pay on a claim after deductible, coinsurance and copay. The order matters: the deductible comes off first and coinsurance applies only to what remains, not to the whole claim.Out-of-Pocket Maximum CalculatorTotal cost of a health plan at expected and worst-case spend. The worst case, premium plus out of pocket maximum, is bounded and knowable, and it is the more useful number for choosing between plans.COBRA Cost CalculatorCOBRA continuation cost against a marketplace plan. COBRA is typically four to five times the payroll deduction, because the employer subsidy stops and you pay the full group premium plus a fee.