Health Plan Comparison Calculator
Total annual cost of two plans at your actual usage, not just the premium.
How this number is built
Doing it by hand
Step 1
Estimate medical spend from last year's actual claims, not from how you feel.
Step 2
Include premiums for the full year — they are paid whether you use care or not.
Step 3
Check the out-of-pocket maximum, which is your true worst case.
Step 4
Subtract any employer HSA contribution, which is real money attached to one plan.
What people ask next
Is a high-deductible plan always cheaper?
Only below the crossover point. Above it the lower deductible plan wins, and the crossover is exactly what this calculates.
Does the HSA change the maths?
Yes — the employer contribution and the tax deduction on your own contributions both reduce the effective cost.
Searches this page answers
| Related search | Goes to |
|---|---|
| health insurance comparison | How to Calculate Health Plan Comparison |
| hdhp vs ppo | How to Calculate Health Plan Comparison |
| marketplace plan cost | How to Calculate Health Plan Comparison |
| best health plan for me | How to Calculate Health Plan Comparison |
Tools that follow from this one
Treatment & Rehab Cost Calculator
Programme cost after insurance, including deductible and out-of-pocket maximum.
Health & CareCord Blood Banking Cost Calculator
Total lifetime cost of private banking, including annual storage.
Health & CareDegree & Student Loan ROI Calculator
Whether a degree pays back, once tuition, lost earnings and loan interest are counted.
Health & CareLong-Term Care Cost Calculator
Projected cost of care by setting, and whether insurance or self-funding wins.