Insurance Tools

Health Insurance Comparison

Comparing health plans by premium alone is a mistake. Your total annual cost depends on how much healthcare you actually use. This tool calculates your estimated true cost for each plan based on your expected visits and procedures.

Plan A (e.g. HMO/Bronze)

Annual Premium ($) Deductible ($) Out-of-Pocket Max ($) Coinsurance after deductible (%)

Plan B (e.g. PPO/Silver)

Annual Premium ($) Deductible ($) Out-of-Pocket Max ($) Coinsurance after deductible (%)

Plan C (e.g. Gold/Platinum)

Annual Premium ($) Deductible ($) Out-of-Pocket Max ($) Coinsurance after deductible (%)

Your Expected Annual Healthcare Usage

Doctor visits (per year)

Avg cost per visit ($)

Prescriptions (monthly cost $)

Specialist visits / procedures ($)