For freelancers comparing ACA plans
Know which health plan could hit your cash buffer hardest
BillShockScore is an early-access tool that scores the ACA plans already on your shortlist for bill-shock risk, built for self-employed shoppers in California and Texas.
The plan that looks cheapest each month can be the most expensive surprise
Premiums, deductibles, coinsurance, and out-of-pocket maximums pull in different directions, and when you're self-employed there's no HR team to translate the tradeoffs.
Low premium, high exposure
A lower monthly cost can come with a deductible or out-of-pocket maximum that overwhelms your savings.
Too many numbers, no clear risk
Plan documents show the details, but not the financial hit you are most likely trying to avoid.
Advice that does not fit your reality
Generic best plan rankings rarely account for the cash buffer you actually have.
Score the risk, see the trap, keep the choice yours
BillShockScore helps you understand the financial downside of the ACA plans you're already considering, without pushing a plan or making the decision for you.
Start with your shortlist
Bring the plans you're already comparing from Healthcare.gov.
Set your cash-buffer view
See how the risk changes if an unexpected expense would be hard to absorb.
Read the red flags in plain English
Get a simple bill-shock risk score and the one or two plan features that matter most.
What early access gets you
Join now to help shape the score and be first in line when the pilot opens during enrollment season.
A plain-English risk score
See a bill-shock risk score for the plans on your shortlist, not a generic best-plan pick.
A cash-buffer toggle
Compare a normal year against one bad year without building a spreadsheet.
A voice in what gets built
Early responses shape the scoring language and factors before the wider pilot launches.
Built for self-employed shoppers in CA and TX
BillShockScore is designed for freelancers and self-employed people choosing ACA plans on their own, without an HR team behind them.
Freelancers during open enrollment
You're staring at three plans and can't tell which one could actually hurt you in a bad year.
Self-employed after a life event
You lost coverage or your premium jumped, and you need a clear answer fast, not a sales pitch.
Questions, answered
Does this replace Healthcare.gov or my broker?
No. You bring the shortlist you're already comparing on Healthcare.gov. BillShockScore explains the risk behind those options, it doesn't enroll you or replace a licensed insurance professional.
Is this only for people in California and Texas?
The first pilot is focused on self-employed shoppers in CA and TX, since that's where we're testing the score closely. Others are welcome to join the waitlist.
What will it cost?
Pricing isn't set yet. The plan is a focused open-enrollment sprint, with optional ongoing maintenance for people who want it in future seasons.
When can I actually use it?
We're building this with an early pilot group ahead of open enrollment. Joining the waitlist puts you first in line for pilot invites.
Do I need to share medical information?
No. The early pilot only needs the plan details from your shortlist, not any personal medical history.
What happens with my email?
We'll only use it to share pilot updates and invite opportunities. No insurance spam, no selling your information.
A health plan should not be a gamble against your savings
Join the BillShockScore early-access list for plain-English plan-risk comparisons built around the financial surprises freelancers cannot absorb.