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Health plan comparison calculator
The cheapest premium is rarely the cheapest plan, because deductibles and coinsurance decide what you actually pay once you use care.
This is an educational tool, not a quote or advice. It uses general formulas and the figures you enter. Policy terms, state rules and insurer practice vary, so check anything important with a licensed agent.
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HDHP vs traditional plan
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Out-of-pocket cost
Work out what you pay for a medical bill after deductible, coinsurance and the out-of-pocket maximum.
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Project HSA growth and the tax saved by contributing pre-tax.
Prescription drug cost
Estimate yearly medication costs under copay or coinsurance drug tiers.
Dental insurance worth it?
Compare dental premiums and the annual maximum against the treatment you expect to need.
Critical illness cover
Size a critical illness lump sum from lost income, medical costs and fixed bills during recovery.