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

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.

Insurance

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.

Key differences

	Health Insurance Out-of-Pocket Calculator	Health Insurance Deductible Optimizer
Category	Insurance	Insurance
Inputs required	5	5
Result	Total Annual Cost ($)	Optimal Total Annual Cost ($)
What it does	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.	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.