Tools · 2026 plan year

Run the numbers before you call anyone

Eight calculators — four for Medicare, four for ACA and the Marketplace — answering the questions people ask first. Everything computes live in your browser from published plan-year figures; nothing you type is sent anywhere, including to us.

Medicare

Dates, penalties and premiums — the questions that arrive with turning 65.

ACA / Marketplace

Subsidies, eligibility and coverage decisions before 65.

This is an estimate, not a quote. Estimates only. Figures on this page use published 2026 plan-year values and the details you enter. They are not a quote, an offer of coverage, or a determination of eligibility. Your final premium and any advance premium tax credit are confirmed at enrollment on HealthCare.gov or with the carrier.

Want the real figures for your county?

These calculators use example figures until you enter your own. Sarah can look up the real benchmark premium, the real plans, and your doctors — at no cost.

FAQ

Common questions

What does it cost to work with CUPS Insurance on the calculators?

Nothing. Carriers pay a commission when a plan is issued, and that commission is already built into the plan price whether you use an agent or not.

Buying the same plan on your own does not make it cheaper — it just means nobody checked your doctors and prescriptions first, and nobody picks up the phone in March when something goes wrong.

Does CUPS Insurance offer every plan available for the calculators?

No, and no agency does. We are independent, which means we compare across the carriers listed on this site rather than representing a single one — but that is not the same as offering every plan on the market.

We do not offer every plan available in your area. Currently we represent 8 organizations which offer 72 products in your area. Please contact Medicare.gov, 1-800-MEDICARE to get information on all of your options.

Who will actually be helping me?

Sarah Wood Rodriquez, licensed since 2009 — over 17 years — and licensed in Utah, Arizona, Idaho. NPN 14943086.

The person who answers the phone is the person who reviews your plan. There is no call center and no handing you between departments.

How do I get started with the calculators?

Call Sarah, a licensed insurance agent, at 435-292-8777 (TTY 711) or book a call. The first conversation usually runs twenty to thirty minutes and there is nothing to sign.

Bring your prescription list and your doctors’ names — with those, the comparison can be a real one rather than a generic one.

What happens after I enroll?

She stays your agent. If a prescription moves tier, a doctor leaves the network, or a letter arrives that makes no sense, you call the same number and speak to the same person.

Every autumn your plan gets reviewed before Open Enrollment, because plans change even when your health does not. On the calculators that matters as much as the original enrollment.

Do we have to meet in person?

No. Most conversations happen by phone or video, which is faster for most people. If you would rather meet face to face, the office is at 3293 Harrison Blvd #213, Ogden — by appointment only, so call before you come.

Hours are 10:00 AM – 5:00 PM, Monday to Friday.

Can I do all of this in Spanish?

Yes. The whole site is available in Spanish and English, and appointments, paperwork and follow-up can be handled in Spanish from start to finish.

If you would rather talk in Spanish, say so when you call Sarah, a licensed insurance agent, at 435-292-8777 (TTY 711) and it is handled that way from the first conversation.

What happens to my personal information?

The calculators on this site run entirely in your browser — nothing you type is sent anywhere, including to us.

If you contact us, your details are used only to help with your coverage. We do not sell or share your information with third parties for marketing.

Grab a cup. Let's make insurance make sense.

A real conversation with a licensed agent who will check your doctors and prescriptions before you decide — and answer the phone all year after that.

Book a call with Sarah Call 435-292-8777 Speak with a licensed insurance agent · TTY 711

Office hours: 10:00 AM – 5:00 PM · Ogden, Utah · NPN 14943086