ProcedureRates.com was created with a simple mission: help people understand and plan their healthcare expenses without confusion, complexity, or cost.
Healthcare costs in America can be overwhelming and confusing. Between deductibles, copays, coinsurance, HSAs, FSAs, and out-of-pocket maximums, it's easy to feel lost when trying to make important financial decisions about your health coverage.
We believe everyone deserves access to clear, accurate tools that help them understand their healthcare costs. That's why we built ProcedureRates.com—a completely free platform with easy-to-use calculators that answer real questions people face every day.
Whether you're comparing health insurance plans during open enrollment, deciding how much to contribute to your HSA or FSA, estimating when you'll meet your deductible, or calculating your total annual healthcare expenses, our calculators provide instant, accurate answers.
No sign-ups. No subscriptions. No data collection. Just straightforward tools that help you make informed decisions about your healthcare and finances.
Our values guide everything we build and every decision we make
All our calculators are 100% free with no hidden fees, subscriptions, or sign-up requirements. Healthcare planning should be accessible to all.
We don't collect, store, or share your personal health or financial information. Your data stays private and secure.
Get accurate calculations in seconds. No waiting, no complexity—just straightforward answers to your healthcare cost questions.
Our calculators use current tax laws, contribution limits, and healthcare regulations to ensure accuracy year-round.
Whether you're choosing insurance during open enrollment or planning next year's FSA, our tools are designed for real people.
We're not affiliated with any insurance companies or healthcare providers. Our only goal is to help you make informed decisions.
Every year during open enrollment, millions of Americans face the same challenge: comparing health insurance plans and trying to figure out which one will actually cost less over the year. The math isn't simple—you have to consider monthly premiums, annual deductibles, out-of-pocket maximums, expected medical expenses, and more.
Similarly, when deciding how much to contribute to an HSA or FSA, people need to estimate their annual healthcare expenses, understand the tax benefits, and avoid contributing too much (which could mean losing money with an FSA's "use it or lose it" rule).
These shouldn't be difficult questions to answer. But existing tools are often hidden behind paywalls, require lengthy sign-ups, or are unnecessarily complex. We wanted to create something different: simple, transparent calculators that anyone can use instantly.
"Healthcare is complicated enough. Understanding your costs shouldn't be."
Our calculators are built by people who have experienced these same frustrations. We've stood at the crossroads of open enrollment, trying to compare plans on paper or in spreadsheets. We've wondered if we're contributing the right amount to our HSA. We've tried to figure out when we'll actually meet our deductible.
So we built the tools we wished existed. Tools that are fast, accurate, private, and free. Tools that respect your time and your intelligence. Tools that help you make confident decisions about your healthcare.
Start using our free calculators today. No sign-up required.
Explore Our Calculators