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Original Price: $24.97

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Sale ends on September 9

Health Insurance Comparison Spreadsheet | Medical Bill and EOB Tracker for Excel and Google Sheets | True Annual Cost, HSA and FSA Log

NicheToolkits  
5 out of 5 stars

You can only make an offer when buying a single item

Star Seller. This seller consistently earned 5-star reviews, shipped on time, and replied quickly to any messages they received.

Highlights

  • Designed by NicheToolkits
  • Party decor for gatherings and celebrations
  • Digital download
  • Digital file type(s): 1 ZIP

The cheapest premium is the most expensive plan.

Every open enrollment you are shown one number — the monthly premium — and asked to bet a year of your family's health on it. The premium is a price. The plan is a cost. This file turns the second one into a number you can actually compare.

Open enrollment closes December 15. Be ready.

WHAT THE FILE FINDS — from the sample year that ships inside
· The lowest-premium plan on the grid costs $3,300 a year in premiums and $14,557 all in. The $8,388 plan costs $13,038 all in. Chasing the cheap premium costs $1,519 — and the grid never shows you that.
· Three usage years, three different winners. A low-use year, an expected year and a heavy year each crown a different plan. There is no best plan — only the best plan for the year you actually have.
· $3,282 recovered from 3 billing errors across 28 bills — 34.6% of what was billed. An overbill above the allowed amount, an out-of-network balance bill, a duplicate claim. A bill is an opening offer.
· The 400% FPL subsidy cliff, priced: $4,536. One dollar of income over the line, and that is what it costs.

WHAT'S INSIDE — 14 connected tabs
Start Here · Setup · Dashboard · Plan Comparison · Usage Scenarios · Subsidy Estimator · Deductible & OOP Tracker · Medical Bill Log · EOB Reconciliation · HSA & FSA Tracker · Prescription Tracker · Appeals & Disputes · Key Dates · Reference

FOUR COLOUR THEMES INCLUDED — Classic, Light, Dark and Editorial, same engine.

HONEST ENGINEERING
2,106 formulas · recalculated clean · 280/280 independent math checks · every screen in this listing is the real file. Works in Excel AND Google Sheets (one file, both engines — instructions inside). No subscription. Free lifetime updates.

Sample data ships inside so every screen works the moment you open it — clear it in one select-and-delete when you're ready.

PLEASE READ
This is a planning tool, not medical, legal, tax or insurance advice. Plan terms vary. Confirm every figure against your own Summary of Benefits and Coverage before you enroll, pay a bill or file an appeal.

WATCH THE FULL WALKTHROUGH ON YOUTUBE: https://youtu.be/hWeaxrJzoGw

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Instant download · personal use · by NicheToolkits

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NicheToolkits
Ryan Smith
NicheToolkits ·

United States

We calculate this number using a recency-weighted average of all ratings, with a rating's value decreasing by half each year to best reflect the current experience. 5.0
·
99 sales
·
5 months on Etsy
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Listed on Jul 27, 2026
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