Compare calculators

Both calculators run independently — change the inputs on either side to compare results.

Health Insurance Deductible Calculator

Calculates your out-of-pocket cost for a given level of medical expenses, accounting for annual deductible and coinsurance rate. Use it during open enrollment to compare plan tiers or to budget for a planned procedure.

Annual Deductible ($)

Expected Medical Expenses ($)

Coinsurance Percentage (%)

Fill in the required fields to see your result.

Insurance

Health Insurance Out-of-Pocket Calculator

Estimate your total annual health insurance costs — including premiums, deductible, coinsurance, and out-of-pocket maximum — based on your plan details and expected medical usage. Useful when comparing health plans during open enrollment.

Monthly Premium ($)

Annual Deductible ($)

Max Out-of-Pocket ($)

Expected Annual Medical Costs ($)

Coinsurance Rate

Fill in the required fields to see your result.

Key differences

	Health Insurance Deductible Calculator	Health Insurance Out-of-Pocket Calculator
Category	Insurance	Insurance
Inputs required	3	5
Result	Your Out-of-Pocket Cost ($)	Total Annual Cost ($)
What it does	Calculates your out-of-pocket cost for a given level of medical expenses, accounting for annual deductible and coinsurance rate. Use it during open enrollment to compare plan tiers or to budget for a planned procedure.	Estimate your total annual health insurance costs — including premiums, deductible, coinsurance, and out-of-pocket maximum — based on your plan details and expected medical usage. Useful when comparing health plans during open enrollment.