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Health insurance, priced honestly

Estimate what you’ll actually pay.

Verd prices every kind of health plan you may qualify for against the year you expect — premiums, deductible, prescriptions, all of it — and shows you one estimated number per plan. Free, built on federal plan data, and we take no commissions from insurers.

Get my number 5 minutes · free account to see your results
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What you get

One number per plan. The whole year, not just the premium.

The premium is only part of what a plan costs. Verd adds what you’d likely pay for care — your visits, your prescriptions, a bad month — so the order of this list reflects what the year is likely to cost you.

Your recommendationIllustrative 2026 example · age 34 · Harris County, TX · $52,000 · Type 2 diabetes · 2 prescriptions
Bronze HMOrecommended$2,250
Gold HMO$2,863
Silver HMO$4,095
Bronze HDHP$4,110
Estimated total for the year · premium + careAbout $613 less than the next-ranked plan (estimate)

Who Verd is for

Anyone who has to pick a plan themselves.

Self-employed, between jobs, turning 26, retired before 65, or offered a plan at work and not sure it’s the right one. If you get a choice, Verd prices it.

A woman at her kitchen table reading a letter
Between jobsMarketplace · COBRA · a spouse’s plan
A pharmacist showing a prescription bottle to a customer
On a prescriptionYour prescriptions counted in every plan type’s total
A nurse laughing with an older woman
Retired before 65Marketplace now, Medicare at 65

How it works

Five minutes. Nothing to know in advance.

01
Medications
metfromin
metformin (Glucophage) Generic · for Type 2 Diabetes
Not sure? Leave it blank — you can add it later.
Tell us about your year

Age and income are the only required answers. Skip anything, add it later, and your number updates.

02
Analyzing your profile
Calibrating to the Harris County market
Projecting your year of care
Pricing every plan type you may qualify for
Modeling a bad year
We price every kind of plan you may qualify for

Marketplace tiers, your employer’s offer, Medicaid, Medicare, TRICARE — priced from your county’s 2026 marketplace rates in 30 states, and national estimates elsewhere.

03
Why this plan · illustrative 2026 example

Even with $3,700 of prescriptions, Bronze’s lower premium likely beats Gold by about $600 for the year. In a bad year, Gold caps you at about $9,200 and Bronze at $10,600 — a $1,400 gap for sleeping easier.

You get the answer, explained

The total, the reasoning, and what happens in a bad year — in words anyone can follow.

Bill CheckerExample · Riverside Medical Center · visit 08/14
Office visit — specialist$210.00
Lab panel (CPT 80053)$146.00
Facility fee check — may not apply to your plan$185.00
Your plan’s specialist copay$45.00
Billed $541.00 · you owe $45.00$185.00 to question before you pay

Why Verd exists

“We spent a decade in health policy watching people pick the wrong plan for one reason: nobody ever showed them the whole number. Verd is the tool we wished we could hand them.”

Alex and John · FoundersHealth policy professionals
Prices from CMS’s public 2026 plan fileCMS · 2,055 counties
Commissions from insurersNone
Selling or sharing your answers with insurers, employers, or advertisersNever

State ACA Marketplaces

How your state runs it, and what plans cost in your county.

All 50 states and DC. County-by-county prices in 30 states.

Stop overpaying for health insurance.

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