Health Insurance Cost Calculator

Estimate your true annual health insurance costs including premiums, deductibles, copays, and coinsurance. Compare two plans side by side to find the better value for your healthcare usage.

Plan 1 Details

Plan Type

Monthly Premium ($)

Annual Deductible ($)

Out-of-Pocket Maximum ($)

Coinsurance After Deductible (%)

Doctor Visit Copay ($)

Estimated Doctor Visits / Year

Prescriptions / Year (avg $50 ea)

Cost Comparison

	Plan 1	Plan 2

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HMO vs PPO vs HDHP

Feature	HMO	PPO	HDHP
Premium	Low	High	Lowest
Deductible	Low	Medium	High
Referrals	Required	No	Varies
Out-of-net	No	Yes	Limited
HSA eligible	No	No	Yes

HSA Eligibility Note

HDHPs are the only plan type eligible for a Health Savings Account (HSA). In 2024, you can contribute up to $4,150 (individual) or $8,300 (family) pre-tax — a powerful way to offset high deductibles.

Health Insurance Cost Calculator

Plan 1 Details

Plan 2 Details

Cost Comparison

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