US · Individual plan comparison

Health Insurance Plan Cost Calculator

Compare what two health insurance plans could cost over a year. Enter each plan's premiums and cost-sharing rules, then add expected covered medical spending. The result separates premiums from what you may pay when you receive care.

Plan comparison

Your health plans

Copy the figures from each plan’s Summary of Benefits and Coverage.

Plan A

Plan design Monthly premium you pay ($) Annual deductible ($) Member coinsurance (%) Annual out-of-pocket limit ($) Annual employer HSA funding ($) — separate resource

Plan B

Plan design Monthly premium you pay ($) Annual deductible ($) Member coinsurance (%) Annual out-of-pocket limit ($) Annual employer HSA funding ($) — separate resource

Medical spending scenarios

Use the same care assumptions for both plans, but enter each plan’s negotiated allowed amounts and service rules. Zero claims is supported: leave the claim list empty. Do not enter personal medical information.

Inputs and calculations stay in this browser and are not saved.

How to use this tool

Copy plan figures from the Summary of Benefits and Coverage.
Enter covered, in-network allowed charges and the service rules.
Compare low, expected and high-use scenarios.

How the result is calculated

Annual cost combines premiums with estimated member payments for care. The deductible is applied before coinsurance where required. Eligible spending stops at the plan's out-of-pocket limit; premiums and excluded costs remain separate.

Worked example

With $200 monthly premiums, a $1,000 deductible and 20% coinsurance, $3,000 of allowed spending produces $1,400 in member costs and $3,800 total annual spending, before excluded expenses.

What this result does not cover

This first version supports individual plans with one medical deductible. It does not estimate subsidies, predict medical needs or confirm network coverage.

Questions people ask

Is the lowest premium always cheapest?

No. A higher deductible or cost share can outweigh a lower premium when you use care.

Does the spending limit include premiums?

No. Premiums and some other charges sit outside the out-of-pocket limit.

Are billed charges the right input?

Use the negotiated allowed amount when available; a provider's original bill may differ.

Sources and maintenance

Methodology owner: Toolistify. Source review: October 15, 2026. Review annually and whenever supported plan rules change; next scheduled review October 15, 2027.

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