Health Insurance Cost Estimator
True annual cost including premiums and out-of-pocket.
Combine premiums, deductible, and expected out-of-pocket to estimate total spend.
What you enter
- Monthly premium
- Deductible
- Expected medical spend
- Coinsurance after deductible
- Out-of-pocket max
Worked example
With the default inputs:
- Monthly premium: $450
- Deductible: $3,000
- Expected medical spend: $2,500
- Coinsurance after deductible: 20%
- Out-of-pocket max: $8,500
| Estimated annual cost | $7,900.00 |
|---|---|
| Premiums / yr | $5,400.00 |
| Out-of-pocket | $2,500.00 |