Health Insurance Cost Calculator
See the real annual cost of a health plan.
Result
How to use
- Enter your values in the fields above.
- Press Calculate to see your result instantly.
- Use the Share button to copy a link to your result.
About this calculator
The premium on a health insurance plan is only part of what it actually costs you in a year. The full picture adds the deductible you'd pay before coverage kicks in and the ongoing cost-sharing (copays or coinsurance) on the care you expect to use — a low-premium, high-deductible plan can end up costing more than a higher-premium plan in a year with significant medical needs, and less in a healthy year.
This calculator combines your premium, deductible, and expected care costs into a single estimated annual total, making it possible to compare plans on real expected cost rather than premium alone. It's the calculation people run during open enrollment when choosing between employer health plans or marketplace options with different premium-deductible trade-offs.
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