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

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.

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

	Insurance Deductible Savings Calculator	Health Insurance Deductible Optimizer
Category	Insurance	Insurance
Inputs required	4	5
Result	Annual Savings ($)	Optimal Total Annual Cost ($)
What it does	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.	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.