Health costs, in the open.

Every free health-cost tool we have made, in one place. All free. No sign-up. Nothing you type is uploaded to us. Every number has a source you can click. Built in the open, and corrections are welcome.

For a person

At the pharmacy counter, holding a denial letter or a bill you cannot pay.

What should this prescription cost?Pick your medicine and how many. See what pharmacies pay for it (the federal NADAC survey), what one cash pharmacy lists it for, and how that compares with what you paid. Then a short list of what to ask. Only the medicine name and strength are sent, to the two public price services.Open it Got a hospital bill you cannot pay?Answer a few plain questions about the bill. Get numbered steps: check the itemized bill, apply for financial assistance (charity care), your rights on surprise bills and debt collectors, real deadlines, three letters you can copy and a phone script. Nothing you type leaves your device.Open it My claim was denied. What do I do?Answer four plain questions about your plan and the denial. Get your appeal steps with real deadlines, free help lines to call, an appeal letter you can fill in and copy, and a phone script. Every deadline links to the rule it comes from.Open it

For an employer, union or plan

For whoever pays the health plan bills or answers for them.

Plan Price CheckPaste or open a pharmacy claims file. For each drug it shows what the plan paid next to two public prices: what pharmacies pay (NADAC) and what one cash pharmacy lists it for (Cost Plus Drugs). The file is read in your browser; only drug codes or names are sent, to those two price services.Open it PBM spread checkPaste a claims export with what the plan was billed and what the pharmacy was paid. It lines the two up by drug and by channel (retail, mail, specialty) to show the spread, and how a blended discount guarantee can be met while costly lines miss. Everything runs in your browser.Open it Denial rate by count vs by dollarsA calculator on the insurance denial page. Type claims, denials and average claim cost by cost band, and see how a plan can deny few claims by count but a large share of the dollars. It comes with a made-up example and a spreadsheet version.Open it

For a public plan's members

For people whose health plan is being argued over in public.

OCPS health plan calculatorFor Orange County Public Schools employees in Florida. Pick your plan, who is covered and how much care you might use in a year, and see the yearly cost under the current plan and each proposal in the dispute, with every input sourced. Plus the documents and a public records request letter.Open it

Need a tool that is not here?

We build free public-interest tools for people, charities and small groups. Tell us what would help: send a few lines.

Who made this, and how to correct it

This is general information, not medical or legal advice. Your pharmacist, your doctor and your plan's own papers come first.

Made by Known Quantity LLC, a small Rhode Island company, as free public-interest work. We have no affiliation with any pharmacy (including Cost Plus Drugs), insurer, pharmacy benefit manager (PBM), drug maker or government agency, and no one paid for this page.

If we got something wrong, email [email protected] with the source and we will fix it.

Free to reuse, copy, print and share, with or without credit. Last updated November 13, 2026.

Know someone fighting a medical bill or a drug price?

Send them this page. Every tool is free and nothing they type is saved.

Tell us what you need Known Quantity for Good