Platform Features
Know what a year of healthcare
will really cost you
Verd projects your year of healthcare costs — starting from age-based baselines, then adding the care and prescriptions you tell us about — estimates what you'd pay out of pocket under every kind of plan you may qualify for, and ranks them by total estimated cost: premiums plus out-of-pocket.
Get started free→How It Works
Our Methodology
You don't need to understand insurance to use Verd — that's the point. You tell us about your life; we do the math the industry does, and show you the answer in plain dollars.
Tell us about your situation
A few minutes of plain-English questions: your age, household, income, the medications you take, and the care you expect this year. No insurance knowledge needed. You'll create a free account to see your results.
We estimate your year of care
Verd starts from age-based cost baselines, then adds what you tell us: your visits, your conditions, your prescriptions. The result is an estimate of your year of care — not an insurance-industry marketing number.
We show you your estimated cost, plan by plan
For every kind of plan you may qualify for, we estimate what you would pay over the year — premiums, deductible, copays, prescriptions, everything — adjusted for how much financial risk you're comfortable with. Then we explain the ranking in words anyone can understand.
Evidence Base
Our Data Sources
Marketplace prices come from CMS's public plan file — county by county in the 30 HealthCare.gov states, national estimates elsewhere — and subsidy rules from IRS guidance. Your cost projection is an estimate built from your own answers. We don't use proprietary insurance-industry data.
Centers for Medicare & Medicaid Services
U.S. Department of Health and Human Services
- Official 2026 Marketplace plan and pricing files (county-level in the 30 HealthCare.gov states)
- Medicare premiums, deductibles, and Part D parameters for the current year
- Official summary data for each Marketplace plan: premiums, deductibles, and out-of-pocket limits
Internal Revenue Service
U.S. Department of the Treasury
- The official rules for marketplace subsidies — who qualifies and for how much
- HSA and FSA contribution limits and eligibility rules, updated every year
- The tax rules that determine whether employer coverage counts as affordable
U.S. Preventive Services Task Force
Agency for Healthcare Research and Quality (AHRQ)
- The official list of preventive care your insurance must cover at no cost to you
- Age- and sex-specific screening schedules behind our preventive-care checklist
- Recommended vaccines and screenings
Verd is a private company, not affiliated with or endorsed by Medicare, Medicaid, CMS, HealthCare.gov, or any government agency.
Intelligent Plan Matching
Verd checks which of 12 program types you may be eligible for — ACA Marketplace, FEHB, Medicare and Medicare Advantage (including Special Needs Plans), Medigap, Medicaid, employer-sponsored coverage, TRICARE, VA/CHAMPVA, and COBRA. Instead of filtering by premium alone, we rank every kind of plan you may qualify for by what it would likely cost you over the year: the premium, plus what you'd pay out of pocket for the care and prescriptions you expect to use.
Estimated total for the year — premium plus the care you told us to expect.
Honest Cost Projection
Most plan comparisons stop at the premium. That fails real life — the plan with the cheapest premium is often the most expensive year. Verd starts from an age-based baseline, adds the care you tell us about, then simulates what you'd pay out of pocket under each plan's rules, so the ranking reflects your whole year, not the sticker price.
Built from what you told us plus an age-based allowance for unplanned care — before any plan pays a cent.
Your Dashboard
After your recommendation, Verd gives you one place to keep track of your coverage. The free dashboard shows where you stand against your deductible and out-of-pocket maximum, keeps a record of your claims, and lays out your plan's details and benefits in plain language — so you always know what you've spent, what's covered, and what's left.
Bill Checking & Appeals
Medical bills can contain mistakes, and denied claims often go unappealed because the process is tiring. With Verd Pro, upload a medical bill or EOB (Explanation of Benefits — the statement your insurer sends after a claim) and AI flags possible math errors, duplicate charges, and surprise-billing issues to check before you pay. If a claim is denied, the Appeal Letter Helper turns the denial into a draft appeal letter to review and complete, and lays out the standard appeal deadlines so you can put them on your calendar. It's general guidance, not legal advice — the dates and instructions on your denial letter control.
An AI first pass flags possible errors for you to check with the provider or your insurer.
Life Events, Handled
Certain life events — getting married, having a baby, losing a job, moving, turning 26 and aging off a parent’s plan, becoming eligible for Medicare at 65 — open a special enrollment window that lets you change plans mid-year. The windows are short, and missing one can lock you into the wrong coverage for a year. Verd Pro's Life Events tool walks you through nine of these scenarios, explains your options, and estimates your deadline from the federal default rules — your plan's notice controls.
Each window comes with a checklist: documents, dates, and the plan choices that fit it. Dates follow the federal default rules — your plan’s notice controls.
Priced for Your Household
Tell us how many people are in your household and Verd scales premiums, tax credits, and expected care costs to match — so a family sees a family-sized estimate, not a single-person quote. If your children may qualify for CHIP, Verd flags it so you can check your state's rules.
A flag to check, not a decision — your state decides CHIP eligibility.
Verd Assistant
Insurance documents are written for lawyers, not patients. The Verd Assistant is an AI assistant that explains your plan in plain language — your deductible, your coinsurance (your percentage share of the bill), your prior authorization rules — and answers general questions about how your plan works. It can't confirm coverage; only your insurer can. Upload your plan documents and it breaks them down in plain English. Because it is connected to your dashboard, it knows your plan's deductible, copays, and what you've spent so far, so answers can use your own numbers.
Illustrative exchange. Answers use your plan’s deductible and rules, but can’t confirm coverage — only your insurer can.
Comprehensive Coverage
Every Major Insurance Program
Many comparison tools only handle ACA Marketplace plans. Verd screens for every major federal and private program — including Special Needs Plans and assistance programs that are easy to miss — and prices each kind of coverage you may qualify for with a representative plan design, so the comparison is between whole pathways, not just Marketplace tiers. Assistance programs are flagged for you to check. For Marketplace plans in the 30 HealthCare.gov states, those designs are priced from your county’s 2026 rates.
ACA Marketplace
Individual and family plans across Bronze, Silver, Gold, and Platinum tiers. We calculate your premium tax credit — the subsidy that lowers your monthly bill — and the extra Silver-plan discounts many households qualify for without knowing it, then weigh each tier against the care you expect to use.
Federal Employee Health Benefits (FEHB)
The program covering federal employees, retirees, and eligible family members, with hundreds of plan options. We price the most common FEHB plan designs on what they would really cost you for the year, so you can see whether FEHB or another pathway comes out ahead.
Medicare Parts A & B
Original Medicare — Part A covers hospital stays, Part B covers doctor visits and outpatient care. We flag when higher income raises your Part B premium, warn about late-enrollment penalties, and show what Original Medicare leaves uncovered so you can weigh supplemental options.
Medicare Advantage (Part C)
All-in-one Medicare plans from private insurers that bundle hospital, medical, and usually drug coverage. We compare their yearly out-of-pocket caps and extras like dental, vision, and hearing — and check whether a Special Needs Plan fits people who qualify for both Medicare and Medicaid.
Medicare Part D & Medigap
Part D adds prescription drug coverage to Original Medicare; Medigap plans pick up costs Medicare leaves behind, like your share of hospital bills. We factor your actual prescription spending into the comparison and weigh Medigap options against Medicare Advantage alternatives.
Medicaid & CHIP
Free or very low-cost coverage based on your income — Medicaid for adults, CHIP for children. Eligibility rules differ by state, so we apply your state’s Medicaid expansion rules and flag when kids may qualify for CHIP. Especially important for families near the line between Medicaid and a subsidized Marketplace plan.
Employer-Sponsored Insurance
Coverage through your job — including high-deductible plans that come with a tax-free HSA. We account for what your employer pays toward the premium, and check the federal affordability rule that decides whether you could get a subsidized Marketplace plan instead.
TRICARE
Military health coverage including TRICARE Prime, Select, For Life, and Young Adult. Eligibility based on uniformed service status, retirement category, and dependent relationships. Cost comparison against civilian alternatives when dual eligibility exists.
VA Health Care & CHAMPVA
VA enrollment priority groups for veterans and CHAMPVA coverage for eligible spouses and dependents. We model how VA care coordinates with Medicare, employer coverage, and Marketplace plans — and when carrying secondary coverage alongside VA care pays off.
COBRA Continuation
Temporary continuation of employer group coverage for 18 or 36 months after qualifying events. We calculate the full unsubsidized premium cost and compare against ACA Marketplace plans with potential PTC eligibility — COBRA often costs more than a subsidized Marketplace plan.
Special Needs Plans (D-SNP / C-SNP)
Medicare Advantage Special Needs Plans for dual-eligible beneficiaries (D-SNP) and people with qualifying chronic conditions (C-SNP). When you appear eligible for both Medicare and Medicaid, we price a representative D-SNP against standard Medicare options, and we flag when your conditions may fit a C-SNP.
Assistance Programs (MSP, Extra Help, CHIP)
Medicare Savings Programs (QMB, SLMB, QI) that pay Part B premiums and cost sharing, Extra Help/LIS for Part D drug costs, and CHIP advisories for children in households near eligibility thresholds. These programs are easy to miss, so we flag them when your answers suggest you may qualify.
And more
Additional Capabilities
Standardized Plan Summaries
Every plan rendered in a consistent format: deductible, copays, coinsurance — your percentage share of the bill — and the yearly out-of-pocket cap. No more parsing 40-page plan brochures.
Scenario Modeling
Change an answer — add a planned surgery, a pregnancy, or a new condition — and your plans are re-ranked with the same model. Your results also show how costs shift between a typical year and a bad one.
Before You Go (Pro)
A pre-appointment checklist: a word-for-word script to verify the provider is in your network, flags for services that need prior authorization, and an estimate of what the visit will cost you.
Educational Resources
Plain-English guides covering metal tier selection, HDHP vs. PPO tradeoffs, Medicare enrollment windows, and common costly mistakes. Written for clarity, not to push a particular plan type.
Cost Estimator (Pro)
Estimate what a common visit or procedure may cost you, based on your plan's rules and how much of your deductible you've met. Your provider and insurer have the final numbers.
Plan Audit (Pro)
A mid-year check on whether your plan still fits how you use care — and when open enrollment comes, a shopping summary built from the year of care you logged, so you re-shop with evidence instead of guesswork.
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