I've been thinking about this lately.

For a couple weeks, I was worried about my health insurance for next year through my state's marketplace and I was considering whether it would be worth the unsubsidized price of $350-450 per month. Ultimately, I don't have enough information about my risks to feel comfortable with my analysis. While it would be mentally soothing to use the calculator, it's not really helpful.

I'm also curious what's going on with insurance prices this year. The health insurance premiums this year are 33% more and just today I got my home insurance renewal asking for 25% more with the exact same coverage amounts. Did something happen to justify these increases?