Methodology version 3.0, last reviewed July 30, 2026. This page explains what data the calculator uses, what adjustments it applies, what it deliberately does not do, and where its limits are.
An educational screening tool that returns insurance categories that may be worth reviewing, with broad national benchmark cost ranges. It is not a quoting engine and not a licensed advisory service.
Publicly available insurer pricing pages and cost guides (Insureon, NEXT Insurance), and HealthCare.gov marketplace data for state health benchmarks. Reviewed July 2026.
Every estimate is a range of roughly -25% to +35% around an adjusted benchmark, because real premiums depend on underwriting factors this tool does not collect.
Legal insurance requirements, policy wording of existing coverage, workers' compensation pricing, surety bonds, umbrella liability, disability, or life insurance.
Version 3.0 (July 30, 2026): five-stage calculator with conditional questions and seven coverage categories. Version 2.0 (July 2026): Insurance Snapshot format with ranges. Version 1.0 (July 2026): initial release.