What will celiac
really cost you
over the rest of your life?
A research-anchored projection of your household's lifetime celiac spend (food premium, medical out of pocket, lost wages) and how much may be recoverable through Schedule A, HSA, FSA, and employer reimbursement.
What's your current age?
We project from today through age 80, the US life-expectancy anchor.
How many people in your household follow a medically necessary gluten free diet?
Includes celiac, dermatitis herpetiformis, or other diagnosed conditions. Not by choice.
What region do you live in?
Anchored to Columbia 2019: Atlanta lowest at 162%, NY and Rapid City highest at 377% for bread.
Which best describes your gluten free shopping pattern?
Be honest. Convenience costs more, and that's the whole point of this projection.
Do you have access to an HSA or FSA at work?
With a Letter of Medical Necessity, the GF premium is HSA/FSA eligible. This changes your recoverable amount significantly.
What's your tax filing status?
Used to estimate your federal recovery range. We don't store this with anything identifying.
Where should we send your projection?
We'll show your number on the next screen and email you a copy along with the Hidden Cost Worksheet and Schedule A Prep Master List. Reports ready for your tax professional to review before filing Schedule A.
Over the next years...
Through Schedule A itemization, HSA/FSA reimbursement, and employer LSAs, with consistent documentation.
The portion you'll absorb directly, even with documentation.
Recover up to with consistent expense tracking.
Gluten Hero generates reports ready for your tax professional to review before filing Schedule A. Every grocery receipt, doctor's letter, and HSA-eligible expense in one place.
- Columbia 2019, Persistent Economic Burden of the GF Dietceliacdiseasecenter.columbia.edu
- US Claims 2016, Incremental healthcare costspubmed.ncbi.nlm.nih.gov/27417565
- US Claims 2020, Healthcare resource utilizationpmc.ncbi.nlm.nih.gov/PMC7725140
- Swiss 2025, Hedonic pricing analysispmc.ncbi.nlm.nih.gov/PMC12551295
- Sweden 2022, Nationwide work-loss studypubmed.ncbi.nlm.nih.gov/34509642
- AGA 2024, Economic burden reportpatient.gastro.org
- IRS Pub. 502, Medical and Dental Expensesirs.gov/pub/irs-pdf/p502.pdf
This calculator is an illustrative projection based on published research, not a personalized financial forecast. Real costs vary widely by individual, region, plan, and adherence. Recoverable estimates are rough averages, not guaranteed amounts. Always consult a tax professional for your specific situation.