Medical Usage Scenario Simulator
See how different types of medical years affect your total health insurance cost.
This tool models scenarios, not predictions.Plan Details
Copays (optional section)
Usage Scenarios
Scenario 1: Low Usage Year
Minimal healthcare needs: one wellness visit and minor prescriptions.
Scenario 2: Typical Usage Year
Average health year: few sick visits, one specialist, and routine labs.
Scenario 3: High Usage Year
Major medical event: surgery, hospital stay, or chronic management.
Total Estimated Costs
| Cost Component | Low | Typical | High |
|---|---|---|---|
| Annual Premiums | $5,400 | $5,400 | $5,400 |
| Care Costs (OOP) | $300 | $1,700 | $4,500 |
| Total Annual Cost | $5,700 | $7,100 | $9,900 |
The Nonlinearity of Cost
Insurance costs don't scale linearly with health needs. Once you hit your deductible, your costs slow down, and once you hit your Out-of-Pocket Maximum, they stop entirely. Understanding these "cliffs" is key to picking the right plan.
Plan for the Outlier
Most people choose plans based on a "normal" year. However, the true value of insurance is protecting you during a "bad" year. Always ensure you have the cash reserves to cover the High Usage Scenario cost jump.