Compare calculators

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 Subsidy Calculator

Calculate your ACA Marketplace premium tax credit to see how much the federal government will subsidize your health insurance. Useful during Open Enrollment or after an income change.

Annual Household Income ($)

Household Size

Benchmark Plan Premium ($/month)

Fill in the required fields to see your result.

Key differences

	Health Insurance Deductible Optimizer	Health Insurance Subsidy Calculator
Category	Insurance	Insurance
Inputs required	5	3
Result	Optimal Total Annual Cost ($)	Annual Premium Tax Credit ($)
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.	Calculate your ACA Marketplace premium tax credit to see how much the federal government will subsidize your health insurance. Useful during Open Enrollment or after an income change.