Health plan cost calculator
Compare health insurance plans on what you'd really pay in a year, including premiums, deductibles, coinsurance and the worst-case cost.
Lowest expected total
Copays aren't included separately, and costs only count in-network care.
Estimates only, for illustration.
| Year | |
|---|---|
| Expected year | |
| Low-use year ($500 of care) | |
| Worst case |
How this calculator works
For each plan, the calculator works out:
- Premiums: the monthly premium times 12.
- Your share of care: you pay costs up to the deductible, then your coinsurance percentage of the rest, up to the out-of-pocket maximum.
- Minus any employer HSA contribution, which helps pay your costs.
It shows three scenarios: your expected year, a low-use year with very little care, and the worst case, where you reach the out-of-pocket maximum.
Reading the results
- The cheapest premium isn't always cheapest overall. If you expect a lot of care, a plan with a higher premium and lower deductible can cost less in total.
- Check the worst case against your savings.
- Remember the network: a cheaper plan only helps if your doctors and prescriptions are covered.
Next steps
Before you choose, check each plan's network and drug list. See how to choose a health insurance plan. If you choose a high-deductible plan, see HSA vs FSA to make the most of tax-free savings.
Common questions
Estimate the total cost of the care you expect in a year before insurance, such as doctor visits, prescriptions, tests and any planned procedures. Last year's explanation of benefits statements from your insurer can help. Try a few amounts to see how the plans compare.
Serious illness or an accident can happen to anyone. The worst case shows the most you'd pay for covered, in-network care in a year, so you can check you could handle it.
Not separately. It uses each plan's deductible, coinsurance and out-of-pocket maximum. Plans with copays for visits and prescriptions may cost a little differently, so check the plan details for care you use often.