Money & Planning

Health Plan Total Annual Cost Calculator

Compare two health insurance plans using premiums, deductibles, coinsurance, copays, expected medical costs, and out-of-pocket limits.

Last updated: August 2026

CurrencyExpected annual covered medical spending

Enter allowed covered costs before insurance payments.

Expected annual copays

Plan ANameMonthly premium paid by userAnnual deductibleCoinsurance paid by user after deductible (%)Out-of-pocket maximum

Plan BNameMonthly premium paid by userAnnual deductibleCoinsurance paid by user after deductible (%)Out-of-pocket maximum

Medical-spending scenarios

Medical spending	Plan A total	Plan B total	Lower-cost plan

This is a simplified planning estimate. Real plans may apply separate deductibles, family limits, copay rules, excluded services, prescription tiers, networks, and services not subject to the deductible. Premiums generally do not count toward the out-of-pocket maximum. This is not medical, legal, or insurance advice.