Free Health Insurance Tools & Downloads

Income Worksheet, Tuned to Your Work

Your line of work

Gross commission income (full year)

Desk fees & MLS dues

Marketing & advertising

Vehicle & mileage

E&O and other business costs

Other household income (spouse W-2, etc.)

Estimated MAGI:$0This is the number the marketplace asks for — an estimate, not an eligibility determination.

If a big closing changes your year, update your marketplace application — the subsidy adjusts from that point forward.

Review this number with Carter

The 60-Day Deadline Calculator

Losing job-based coverage opens a Special Enrollment Period. Enter the coverage end date; get the day the window closes.

Last day of your current coverage

Special Enrollment window closes:—

Losing qualifying coverage generally opens a 60-day Special Enrollment Period from the coverage end date. The window is firm — start before it is close.

Premium vs. Deductible Break-Even

Two quotes in front of you? See what the monthly difference buys in plain dollars before anyone talks you into either.

Plan A monthly premium

Plan A deductible

Plan B monthly premium

Plan B deductible

Premium difference over a year:—

Arithmetic only — networks, copays, and out-of-pocket maximums matter just as much, which is what the call is for.

Rate → Year Converter

For 1099 work: turn an hourly rate into the gross-year figure the income worksheet starts from.

Your rate ($/hour)

Billable hours / week

Working weeks / year

Gross year (rate × hours × weeks):—

Gross, not MAGI — feed this into the income worksheet above and let the expense lines do their work. Self-employment tax questions belong to your tax preparer.

Checklists — Download or Print

↓ 60-day Special Enrollment checklistLost coverage? The seven steps, in order, with the deadline math.↓ Open Enrollment prep checklistWhat to re-check every fall before auto-renewal decides for you.↓ What to bring to our first callFifteen minutes of prep that makes the conversation twice as useful.

Expense Trackers by Profession

Each CSV opens in any spreadsheet app, pre-seeded with the expense categories that matter in that line of work.

↓ Real Estate Agents ↓ Truck Drivers & Owner-Operators ↓ Hairstylists & Barbers ↓ Rideshare & Delivery Drivers ↓ Construction & Skilled Trades ↓ Content Creators & Influencers ↓ Therapists & Counselors ↓ Travel & Per Diem Nurses ↓ Consultants & Fractional Executives ↓ Personal Trainers & Fitness Instructors ↓ Restaurant & Food Service Owners ↓ Farmers & Ranchers ↓ Photographers & Videographers ↓ Musicians & Touring Artists ↓ Solo Attorneys & Practice Owners ↓ Software Developers & Tech Contractors ↓ Bartenders & Servers ↓ Landlords & Short-Term Rental Hosts ↓ Pastors, Clergy & Ministry Staff ↓ Home Daycare & Childcare Providers ↓ Tattoo Artists & Piercers ↓ Private-Practice Dentists ↓ Landscapers & Lawn Care ↓ Commercial Fishermen & Charter Captains ↓ Pet Sitters, Dog Walkers & Groomers ↓ Adjunct Professors & Tutors ↓ Veterinarians & Relief Vets ↓ Insurance Agents & Financial Advisors ↓ Freelance Writers & Editors ↓ Bookkeepers & Tax Preparers ↓ Massage Therapists & Bodyworkers ↓ Wedding & Event Planners ↓ Cleaning & Home Service Pros ↓ Electricians ↓ Plumbers & Pipefitters ↓ Notaries & Signing Agents ↓ Actors & Performers ↓ Franchise Owners ↓ Nail Techs & Estheticians ↓ Artists & Makers

Coverage Checklists by Profession

One page each: the income framing, the traps, and the fast facts for that line of work — printable, checkable, shareable.

↓ Real Estate Agents ↓ Truck Drivers & Owner-Operators ↓ Hairstylists & Barbers ↓ Rideshare & Delivery Drivers ↓ Construction & Skilled Trades ↓ Content Creators & Influencers ↓ Therapists & Counselors ↓ Travel & Per Diem Nurses ↓ Consultants & Fractional Executives ↓ Personal Trainers & Fitness Instructors ↓ Restaurant & Food Service Owners ↓ Farmers & Ranchers ↓ Photographers & Videographers ↓ Musicians & Touring Artists ↓ Solo Attorneys & Practice Owners ↓ Software Developers & Tech Contractors ↓ Bartenders & Servers ↓ Landlords & Short-Term Rental Hosts ↓ Pastors, Clergy & Ministry Staff ↓ Home Daycare & Childcare Providers ↓ Tattoo Artists & Piercers ↓ Private-Practice Dentists ↓ Landscapers & Lawn Care ↓ Commercial Fishermen & Charter Captains ↓ Pet Sitters, Dog Walkers & Groomers ↓ Adjunct Professors & Tutors ↓ Veterinarians & Relief Vets ↓ Insurance Agents & Financial Advisors ↓ Freelance Writers & Editors ↓ Bookkeepers & Tax Preparers ↓ Massage Therapists & Bodyworkers ↓ Wedding & Event Planners ↓ Cleaning & Home Service Pros ↓ Electricians ↓ Plumbers & Pipefitters ↓ Notaries & Signing Agents ↓ Actors & Performers ↓ Franchise Owners ↓ Nail Techs & Estheticians ↓ Artists & Makers

Straight Answers About These Tools

Are these tools really free?

Yes — no cost, no account, and no email wall. They exist so people in the 40 professions this site covers can do the homework before (or instead of) a call. If a number surprises you, the call is free too.

Do you store what I type into the calculators?

No. Every calculator runs entirely in your browser — the numbers never leave your device, are never sent to a server, and disappear when you close the page. That is also why nothing asks for your name.

Are the results official eligibility determinations?

No — they are arithmetic. The worksheet estimates the MAGI figure the marketplace asks about, and the deadline calculator adds sixty days to a date. Actual eligibility and subsidy amounts are determined by the marketplace when you apply, which is exactly what a licensed agent helps you get right.

Can I share or reuse the downloads?

Please do — every checklist and tracker says "free to share" in the footer and carries no watermark beyond the site address. Send them to the group chat, your bookkeeping client, or the crew.

What these tools are: arithmetic, deadlines, and organizers that make the marketplace conversation easier. What they are not: eligibility rulings, quotes, or advice — those need your real numbers and a licensed human, and that part is free too.