Independent reference auditComparison only · never a quote
Place your monthly amount beside a sourced state benchmark, then see which details you need before treating the difference as meaningful.
No identity fields. Your amount stays in this browser.
The bench keeps three definitions beside the arithmetic so a public average is never mistaken for a personal price.
Distinguish full premium, financial help or employer contribution, and the amount actually due.
Check coverage source, price basis, and plan category before treating two premiums as comparable.
Use the invoice, Summary of Benefits and Coverage, and an official current quote to resolve the difference.
REF / FINANCIAL HELP
The benchmark second-lowest-cost Silver plan, the official eligibility result, advance credits, reconciliation, and why a public state average cannot calculate a household's financial help.
REF / RATING FACTORS
HealthCare.gov lists five rating factors for Marketplace coverage: age, location, tobacco use, plan category, and whether coverage is for an individual or family. States can limit how some factors are used. Health and medical history cannot change a Marketplace premium. Knowing the factors helps you compare two prices on the same basis.
No. It shows the arithmetic difference from a narrow state reference and explains why the numbers may not be comparable. A valid overpayment conclusion requires the same coverage market, rating area, ages, covered people, tobacco status, plan category, price basis, and coverage year.
KFF's published 2026 state average of the second-lowest-cost Silver premium for a 40-year-old in each county, weighted by county plan selections. It is before any tax credit and is not a personal rating-area quote.
An employer or COBRA premium, an off-Marketplace individual premium, and a Marketplace benchmark can reflect different markets and contributions. The source determines whether the comparison is even directionally useful.
No. The official Marketplace application determines exact prices and financial help. This tool does not turn placeholder income or household data into a subsidy estimate.
No. There is no name, email, or phone field. The audit is prepared in the browser, and only the state appears in the optional handoff URL.
The door has no account or database. The amount is used for the on-page arithmetic and is not included in analytics or the handoff URL.
Sources: HealthCare.gov rating factors; IRS Premium Tax Credit overview; KFF 2026 benchmark table. General information, not financial or medical advice. Last reviewed: August 11, 2026.
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