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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

Insurance Deductible Savings Calculator

Calculate the true annual cost of raising your insurance deductible, weighing premium savings against the extra out-of-pocket expense when you file a claim. Use this before changing your deductible at renewal.

Current Annual Premium ($)

Current Deductible

New Deductible

Expected Claims Per Year (claims)

Fill in the required fields to see your result.

Key differences

	Health Insurance Deductible Optimizer	Insurance Deductible Savings Calculator
Category	Insurance	Insurance
Inputs required	5	4
Result	Optimal Total Annual Cost ($)	Annual Savings ($)
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 the true annual cost of raising your insurance deductible, weighing premium savings against the extra out-of-pocket expense when you file a claim. Use this before changing your deductible at renewal.