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InsuranceTrustHub · Tools

Insurance calculators

Free premium, Medicare gap, and ACA subsidy estimators. Outputs are educational estimates — not binding quotes.

Premium Estimator

Estimate auto, homeowners, health, and Medicare premium ranges by state and profile. Clearly labeled estimates only.

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Medicare Gap Analyzer

Identify potential coverage gaps when moving states, aging into Medicare, or transitioning from employer plans.

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ACA Subsidy Estimator

Rough 2026 marketplace subsidy estimate based on household size, income, and ZIP. Not official CMS data.

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License Verification Guide

Step-by-step instructions to verify agent licensing with your state Department of Insurance.

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Pair calculators with guides

Use our educational guides after running estimates — especially Medicare and ACA comparisons before enrollment windows close.

  • Medicare Advantage vs Medigap comparison
  • ACA / Obamacare enrollment guide
  • All insurance resources

Frequently asked questions

Are Insurance Trust Hub calculators free?

Yes. All tools are free, require no account, and produce educational estimates only — not binding quotes or enrollment decisions.

Can I use these results to enroll in a plan?

Use them for planning, then verify premiums, networks, and eligibility with licensed agents and official marketplace or Medicare sources.

Related independent directories

Related independent research when coverage changes with a move — same no paid placements approach.

  • Find movers on MoveTrustHub
  • Moving guides
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