Abstract: In a system and method for estimating medical costs under at least one health plan, one or more user devices provide user health data entered by one or more users to a processor, and the processor provides estimated health plan cost data to the user device(s) to enable the user(s) to compare the costs and benefits of various health plan options available to the user(s). The processor includes an administrative module for receiving user account data and health plan data entered by an administrator; a calculation module for providing estimated cost data based upon the user health data; a user module for generating the estimated health plan cost data based upon the user health data, user account data, health plan data and estimated cost data and providing the estimated health plan cost data to the user device; and a database for storing the estimated health plan cost data, user health data, user account data, health plan data and estimated cost data.