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

Health Insurance Deductible Optimizer

Compare total annual out-of-pocket costs between a low-deductible and high-deductible health plan based on your expected medical spending. Use this during open enrollment to find the plan that saves you the most money.

Low Deductible Monthly Premium ($)

Low Deductible Amount ($)

High Deductible Monthly Premium ($)

High Deductible Amount ($)

Expected Annual Medical Costs ($)

Fill in the required fields to see your result.

Insurance

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.

Key differences

	Health Insurance Deductible Optimizer	Health Insurance Deductible Calculator
Category	Insurance	Insurance
Inputs required	5	3
Result	Optimal Total Annual Cost ($)	Your Out-of-Pocket Cost ($)
What it does	Compare total annual out-of-pocket costs between a low-deductible and high-deductible health plan based on your expected medical spending. Use this during open enrollment to find the plan that saves you the most money.	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.