← Plan Total

Terms

Last updated October 25, 2026. DRAFT — review before launch.

What Plan Total is

A calculator that estimates yearly health plan costs from numbers you enter. It is not insurance, it doesn't sell, enroll in or recommend plans, and it isn't medical, tax, legal or financial advice. Estimates depend on your inputs and the simplifications shown on the page; your real costs may differ.

Purchase and access

The $19 report is a digital product that unlocks immediately after payment and stays available for the current enrollment season (at least 120 days from purchase). You can re-send your access link from the site at any time.

All sales are final

Because access is instant and the free comparison lets you try the same math first, we don't offer refunds for change of mind. We will refund a duplicate charge, or a purchase where the report won't open after you've used the resend link. Email us within 30 days.

By buying, you ask us to give you access immediately and acknowledge that, once access starts, you lose any legal right to cancel and get a refund for change of mind, including the 14-day withdrawal right that applies to buyers in the EU and UK.

AI characters

People in our videos, including Penelope Vance, are AI-generated characters, not real people, customers or licensed professionals.

No affiliation

We are not affiliated with HealthCare.gov, any state marketplace, any insurer, or any government agency.

Liability

To the extent the law allows, our total liability is limited to what you paid us.