Insurance

Health Insurance Deductible Comparison

A low premium with a high deductible isn't always cheaper. Compare two plans on total annual cost for your expected medical spending.

Expected medical costs this year ($) Your estimated total bills before insurance (visits, prescriptions, procedures).

Plan A

Monthly premium ($)

Deductible ($)

Coinsurance after deductible (%)

Out-of-pocket max ($)

Total / year-

Plan B

Monthly premium ($)

Deductible ($)

Coinsurance after deductible (%)

Out-of-pocket max ($)

Total / year-

Cheaper plan-

Plan A total cost-

Plan B total cost-

How it works

For each plan we add a full year of premiums to what you'd pay toward care: your costs up to the deductible, then the coinsurance share above it, all capped at the out-of-pocket maximum. The plan with the lower total wins for your expected spending.

A simplified estimate. Real plans have copays and excluded services. See our disclaimer.

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