Health plan cost calculator
Enter the numbers from a plan's summary of benefits and the size of a covered in-network bill. The calculator shows what you would pay, what the plan would pay and whether you reach the out-of-pocket maximum.
Rules checked
You would pay
$3,600
The plan would pay $6,400.
Email me this result
Keep a copy for later. Free, and no phone number needed.
This is an estimate for general information, not an insurance quote or advice. Confirm dates and costs with your plan, your marketplace or Medicare.
How is the cost worked out?
You pay the whole bill until you reach the deductible. After that you pay your coinsurance percentage of what remains. Your total can never go above the out-of-pocket maximum. The plan pays everything else.
What does it leave out?
Monthly premiums, flat copays, out-of-network charges and services a plan does not cover. It treats the bill as one covered, in-network amount, so use it to compare plans, not to predict an exact bill.
Want a person to check the numbers?
A licensed agent compares plans and explains the tradeoffs. It costs you nothing.
Common questions
Where do I find my deductible and out-of-pocket maximum?
On the plan's Summary of Benefits and Coverage, and on your insurance card or online account.
Do premiums count toward the deductible?
No. Premiums do not count toward your deductible or your out-of-pocket maximum.
Is this an insurance quote?
No. It is an estimate based only on the numbers you enter. For real plan prices, ask a licensed agent for a free quote.