Stop overpaying for insurance that doesn’t cover anything until you hit your deductible. Use this calculator to compare what you’re actually paying for traditional insurance vs. what you’d pay using DIY telehealth, direct-to-consumer labs, and self-pay options. You might be shocked at the difference.

This calculator is designed to compare routine healthcare costs including primary care, specialist visits, basic lab panels, and generic medications. It does NOT include: imaging (MRI, CT, X-rays), physical therapy, emergency room visits, surgeries, hospital stays, durable medical equipment, brand-name medications, or other specialized services. This tool helps you evaluate routine care costs, but catastrophic coverage may still be necessary for major medical events.