Health plan calculator
Compare employer health insurance plans.
Step 1: pick an option to simulate a year of medical bills or enter your own estimate
Total annual cost
Premiums: $3,900 / yr
Medical out-of-pocket: $1,800
Total annual cost
Premiums: $2,080 / yr
Medical out-of-pocket: $3,000
Not financial or medical advice. For educational estimates only.
For your billed amount scenario
Total billed amount (per year): $3,000
| Network | PPO | PPO |
| HSA | No | Yes |
| Copay | Yes | No |
| Premium / paycheck | $150 | $80 |
| Paychecks / year | 26 | 26 |
| Annual premiums | $3,900 | $2,080 |
| Deductible | $1,500 | $3,000 |
| Out-of-pocket max | $6,000 | $6,500 |
| Coinsurance % | 20% | 20% |
Billed amount (per year): $3,000
| Billed amount (per year) | ||
|---|---|---|
| $0 | $3,900 | $2,080 |
| $5,000 | $6,100 | $5,480 |
| $10,000 | $7,100 | $6,480 |
| $15,000 | $8,100 | $7,480 |
| $20,000 | $9,100 | $8,480 |
| $25,000 | $9,900 | $8,580 |
| $30,000 | $9,900 | $8,580 |
| $35,000 | $9,900 | $8,580 |
| $40,000 | $9,900 | $8,580 |
| $45,000 | $9,900 | $8,580 |
| $50,000 | $9,900 | $8,580 |
Chart will appear here in the PDF.
X-axis: billed amount per year. Y-axis: your total annual cost (premiums + medical out-of-pocket).
All amounts are estimates based on the plan details you entered.
Billed amounts and coverage rules vary by provider and insurer.
Not financial or medical advice. For educational estimates only.