Calculators › Health insurance

Out-of-pocket cost calculator

Health insurance pays in stages, and knowing which stage a bill falls into tells you what you owe before the paperwork arrives.

Total bill ($)Deductible already met ($)Annual deductible ($)Coinsurance (%)Out-of-pocket max ($)Paid toward OOP max so far ($)

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.

More health insurance calculators

Health plan comparison

Compare two health plans on total annual cost: premiums, deductible, coinsurance and out-of-pocket maximum.

HDHP vs traditional plan

Compare a high-deductible plan with an HSA against a traditional plan, including the tax benefit.

HSA savings

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.