Compare health plans by estimating total annual cost across different medical usage scenarios.
Check if you can contribute to a Health Savings Account.
Check if you can contribute to a Health Savings Account.
This is the total allowed medical cost for the year, before insurance pays anything.
By switching to Plan A, you save approximately $500 per year at this usage level.
Health insurance costs are a balancing act between fixed monthly payments (premiums) and variable costs at the point of care. Choosing a plan requires predicting your likely medical needs while preparing for the unexpected.
Generally, plans with lower monthly premiums have higher deductibles. This "self-insurance" requires you to have cash reserves ready for medical events.
This is your ultimate safety net. Once reached, the insurance company pays 100% of allowed charges. This is the "worst-case" figure we model.
Explore our other specialized health insurance decision tools.