See what healthcare will likely cost your family this year. Get a personalized annual cost forecast based on your household, conditions, and insurance plan — and turn unpredictable medical expenses into something you can plan for.
Add your household and see your projected healthcare costs for this year. No credit card required.
CostKits is a healthcare cost-planning platform for U.S. families, built by a healthcare actuary. It helps patients and caregivers understand, predict, and manage what medical care will actually cost — before the bills arrive. With CostKits you can:
CostKits is built for the people who actually manage their household's medical spending.
Households that want to budget for the year, avoid surprise bills, and know what care will cost before scheduling it.
Parents planning for well-child visits, vaccines, urgent care, and the occasional ER trip — and checking those bills for errors.
Caregivers coordinating procedures, imaging, and hospital stays for a parent, who need to forecast and verify costs on someone else's behalf.
HDHP and HSA members who pay full price until the deductible is met, and need to track exactly where they stand all year.
Most tools do one thing: a price lookup, a bill scanner, or an insurer estimate. CostKits connects the full picture — from researching a price to forecasting your year to checking the final bill.
Real price ranges by procedure, state, and insurance type — not a single national "average" that doesn't reflect what you'll pay.
A forward-looking forecast for your whole household's year, modeling likely visits, imaging, labs, and hospital use — not just a one-time lookup.
Checks your bills against expected allowed amounts to flag likely errors, duplicate charges, and overcharges you can dispute.
Tracks how close you are to your deductible and out-of-pocket maximum, so you know when your costs are about to drop.
Model how a plan's deductible, coinsurance, and out-of-pocket max change what you'll actually spend — before you commit to it.
An MRI can range from a few hundred dollars to several thousand depending on your state, the facility, and your insurance. CostKits shows real price ranges and estimates your share based on your plan and deductible status. See MRI cost by state.
CostKits forecasts your expected utilization and tracks your spending against your deductible and out-of-pocket maximum, so you can see whether — and roughly when — you'll hit them.
If you've already met your deductible, finishing care before your benefits reset in January can save you significant money. CostKits helps you see where you stand so you can time elective procedures.
A high bill often comes down to the billed code, your insurer's negotiated (allowed) rate, and your deductible status. CostKits analyzes your bill to flag charges above the expected allowed amount and common errors like duplicates and balance billing.
Most families underestimate annual healthcare spending. A personalized CostKits forecast estimates likely primary care, specialist, emergency, inpatient, and lab usage so you can budget for deductibles, coinsurance, and unexpected care before the year ends.
Browse real price ranges by procedure and state. Start with the most common:
Our estimates combine published pricing benchmarks, your plan's benefit design, real-world billing patterns, and actuarial forecasting. Here's what goes into a CostKits estimate.
We anchor estimates to published and publicly reported price benchmarks so ranges reflect what care actually costs in your state — not a single national average.
We factor in how your plan works — deductible, coinsurance, copays, and out-of-pocket maximum — to estimate your share, not just the sticker price.
We compare charges against typical allowed amounts and common billing patterns to flag prices and errors that fall outside the expected range.
We apply actuarial utilization modeling to your household profile — estimating likely primary care, specialist, emergency, inpatient, and lab use — to project your annual cost as a range.
CostKits was created by John Caruso, FSA, MAAA — a healthcare actuary with more than two decades of experience in healthcare pricing, claims, reimbursement, and analytics. That background is why CostKits explains why costs vary and how the system works, rather than just listing prices.
After more than two decades working in healthcare pricing, claims, reimbursement, and analytics, I realized that consumers were still expected to make major financial decisions with very little practical guidance. Healthcare costs affect nearly every family, yet understanding what a procedure will cost, how insurance applies, and why bills arrive the way they do remains incredibly difficult. I started CostKits to help bridge that gap — combining pricing data, insurance concepts, medical bills, and spending history into a single view that is practical for real-world decision making.
CostKits is funded by a simple subscription, not by selling your data or taking referral fees from providers. A free estimate is always available; the paid CostKits Plan ($15/month or $150/year) unlocks the full forecast range, insurance modeling, and ongoing tracking. Because we answer to subscribers — not advertisers — our estimates stay on your side.
Simple annual healthcare cost estimate
Full forecast range + insurance modeling
Common signs of medical bill errors include duplicate charges, incorrect procedure codes, charges for services not received, and amounts that don't match your Explanation of Benefits (EOB). Our free checker identifies these instantly. Learn more about reading your medical bill →
Yes! CostKits offers a completely free medical bill checker that analyzes your bills for errors, duplicate charges, and overcharges. No signup, no credit card, and 100% anonymous. Enter your bill details or email your bill to get instant analysis.
The most common errors include duplicate charges (same service billed twice), upcoding (billing for more expensive procedures), unbundling (charging separately for services that should be combined), and charges for services not received. See real examples of billing errors →
Your EOB comes from your insurance and shows how they processed your claim. Your medical bill is from the provider requesting payment. Comparing them helps catch errors. Read our complete EOB vs Medical Bill guide →
Medical bills follow a specific timeline. Most providers give you 30-180 days before collections begins. You have rights under the FDCPA once collectors are involved. Learn the collections timeline and your rights →
Yes. We are HIPAA compliant and use bank-level encryption to protect your medical information. Your data is never shared with third parties without your explicit consent.
Your bill amount depends on three things: (1) the CPT code billed, (2) your insurance's negotiated rate (which is 30-70% less than the provider's list price), and (3) your deductible/coinsurance status. The same $500 service might cost you $50-$2,000 depending on these factors. That's why price transparency matters—and why CostKits analyzes what you *should* be paying versus what's actually billed.
Your "allowed amount" is the negotiated rate your insurance company has agreed to pay the provider—typically 30-70% less than the provider's chargemaster (list price). Your bill should never exceed the allowed amount if the provider is in-network. If it does, that's a billing error. CostKits catches these automatically and flags them for dispute.
Balance billing happens when an in-network provider illegally bills you for the difference between their chargemaster and your insurance's allowed amount. Look for items where "Patient Responsibility" exceeds your deductible plus coinsurance. This is a violation of the No Surprises Act. CostKits flags these as potential overcharges so you can dispute them with your insurance and get a refund.
You have options: (1) Contact the provider's billing department to negotiate or set up a payment plan—many offer 0% interest. (2) File an appeal if you believe the bill contains errors (use CostKits to identify them). (3) Know your rights: as of January 2025, medical debt can't appear on your credit report, so don't ignore the bill out of fear. Get errors fixed *before* debt spirals.
Yes—if the error is confirmed. Refunds typically take 30-90 days after you dispute in writing. Common refund reasons: duplicate charges, unbundling errors (splitting one service into multiple codes), charges for services not rendered, or amounts exceeding the allowed rate. CostKits identifies these errors instantly so you can file a dispute. Document everything: your EOB, bill, and error analysis. Providers refund 75%+ of disputes when challenged properly.
Your annual healthcare cost depends on your age, conditions, household, and insurance plan. CostKits estimates your likely primary care, specialist, emergency, inpatient, and lab usage, then applies your plan's deductible and coinsurance to forecast your total out-of-pocket cost as a low/medium/high range.
Most families underestimate healthcare spending because they only plan for premiums, not deductibles and coinsurance. A personalized CostKits forecast helps you set aside the right amount for expected visits plus a buffer for unexpected utilization before the year ends.
An MRI can range from a few hundred to several thousand dollars depending on your state, the facility (hospital vs. standalone imaging center), and your insurance. Your actual share depends on whether you've met your deductible. See MRI cost by state →
If you've already met your deductible (or out-of-pocket maximum) this year, completing elective care before your benefits reset in January can save you significant money. CostKits tracks where you stand against your deductible so you can time procedures to your advantage.
