CostKits Your Healthcare Budget
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Free · Interactive · No Sign-Up Required

Healthcare Pricing Is Opaque by Design.
These Tools See Through It.

Six free, interactive tools for healthcare budgeting, procedure estimates, medical bill review, and provider comparison — built on real claims-based pricing data, not scraped averages. Every tool is embedded live on this page — no click-through required to try one.

Built by John Caruso, FSA, MAAA — a healthcare actuary with 20+ years pricing insurance claims and reimbursement. More about CostKits →

6 Interactive Tools
6 Embeddable Widgets
100% Free
6 Tools
Healthcare Budget Explorer
Interactive Embeddable Free

See what a real healthcare budget looks like for your life stage — young adult, growing family, expecting, near retirement, or Medicare. Animated dashboards for each scenario.

Answers
Healthcare budgeting Deductibles & premiums Out-of-pocket planning Family cost projections Insurance cost estimates
Budget Life Stages Planning
Open Tool →
Try the Healthcare Budget Explorer live
Procedure Cost Estimator
Interactive Embeddable Free API

Enter a procedure and your insurance details to get a personalized out-of-pocket estimate based on your deductible, coinsurance, and out-of-pocket maximum.

Answers
Out-of-pocket estimates Deductible math Coinsurance calculations Surgery cost planning What will I pay?
Procedures Insurance Out-of-Pocket
Open Tool →
Try the Procedure Cost Estimator live
Healthcare Cost Forecast
Interactive Embeddable Free API

Plan and budget for medical costs this year. Enter your household, insurance plan, and expected visits — see your projected spending and when you'll hit your out-of-pocket max.

Answers
Annual cost planning When will I hit my max? HSA contribution sizing Family health budgeting Benefits enrollment prep
Budget Annual Forecast Deductible
Open Tool →
Try the Healthcare Cost Forecast live
Medical Bill Analyzer
Interactive Embeddable Free API

Walk through your medical bill step by step. Identify potential overcharges, billing errors, and savings opportunities — guided by actuarial knowledge of how medical billing works.

Answers
Was I overbilled? Billing error detection Dispute step-by-step Surprise bill review EOB interpretation
Bills Disputes Savings
Open Tool →
Try the Medical Bill Analyzer live
Procedure Cost Map
Interactive Embeddable Free API

Compare medical procedure costs across all 50 states on an interactive map. Select any procedure, filter by payer, and see how prices vary 300–500% across regions.

Answers
Why do costs vary by state? Cost by region Medicare vs. commercial Cheapest state for my procedure Geographic price variation
Procedures Regional Costs Comparison
Open Tool →
Try the Procedure Cost Map live
Provider Cost Map
Interactive Embeddable Free

Enter your ZIP code to find providers near you and compare procedure costs in your area. Powered by Leaflet maps with real facility pricing data.

Answers
Cheapest provider near me Facility price comparison Local healthcare costs ZIP code cost lookup
Providers Nearby ZIP Search
Open Tool →
Try the Provider Cost Map live

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For Developers

Use these tools in your own applications

Every CostKits tool is embeddable with a single script tag. REST APIs available for deeper integration.

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Embeddable Widgets

Drop any widget onto your site with one script tag. No backend required. Works on any CMS or static site.

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REST API

Query procedure costs, facility prices, and cost estimates programmatically via the CostKits API. API keys at costkits.com/api-keys.

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API Documentation

Full endpoint reference, authentication guide, and code examples at costkits.com/api.

Related Reading

Deductible vs Out-of-Pocket Max

Understand how insurance cost-sharing works and what you actually pay.

Read the guide →

Procedure Cost Explorer

Browse procedures and compare prices across the country by state.

Explore costs →

How to Read Your Medical Bill

A step-by-step guide to understanding every line item on your statement.

Read the guide →

Healthcare Cost Guides

Our latest guides on costs, insurance, and medical billing.

Browse guides →

Data & Pricing Methodology

Where the numbers behind these tools come from, how often they're updated, and what they don't tell you.

See our methodology →

Frequently Asked Questions

What healthcare tools does CostKits offer?
CostKits offers 6 free interactive tools: a Healthcare Budget Explorer, Procedure Cost Estimator, Healthcare Cost Forecast, Medical Bill Analyzer, Procedure Cost Map, and Provider Cost Map — covering budgeting, insurance, medical billing, and provider comparisons.
Are these healthcare cost tools free?
Yes. All CostKits tools are completely free to use. No sign-up or credit card is required for any tool.
Can I embed CostKits widgets on my website?
Yes. Every tool is embeddable with a single script tag — no backend or API key required. Click the </> Embed button on any tool card to get your embed code.
Is there a CostKits API?
Yes. CostKits provides a REST API for querying procedure costs, facility prices, and cost estimates programmatically. Full documentation and key registration are available at costkits.com/api.
What healthcare procedures are supported?
CostKits covers major procedures including CT scans, MRI, colonoscopy, mammogram, ultrasound, endoscopy, echocardiogram, cataract surgery, and more — with pricing data across all 50 US states for Medicare, commercial insurance, and self-pay.
What is the best tool to estimate my out-of-pocket cost for a procedure?
Use the Procedure Cost Estimator. Enter your procedure, insurance plan type, deductible, coinsurance rate, and out-of-pocket maximum to get a personalized estimate based on how much of your deductible you've already met.
How do I find and dispute errors on my medical bill?
Use the Medical Bill Analyzer. It walks through your bill line by line to flag potential overcharges, unbundling errors, upcoding, and balance billing issues — with guidance on how to dispute each type.