FreeByte

Health plan comparison calculator

Premiums plus expected claims.

Built and reviewed by Dovanic, Founder and editor, FreeByteLast reviewed: 2026-08-18
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Plan A is cheaper

$440

Plan A total

$4,140

With these inputs, plan A is cheaper comes to $440. Plan A total works out to $4,140.

Plan B total
$4,580
Break-even claims
$1,440

What moves the number · Plan A is cheaper

Input−10%Now+10%
Plan A monthly premium$704$440$176
Plan A excess$590$440$290
Plan B monthly premium$32$440$848
Plan B excess$390$440$490

Solve for an input

Whatmakesequal

Compare scenarios

Save this set of inputs, change something, then save again to compare the outcomes side by side.

Premiums plus expected claims.

A worked example

Starting figures

Plan A monthly premium
$220
Plan A excess
$1,500
Plan B monthly premium
$340
Plan B excess
$500
Expected yearly claims
$2,200

What it returns

Plan A is cheaper
$440
Plan A total
$4,140
Plan B total
$4,580
Break-even claims
$1,440

How to read the results

With the defaults above, plan a is cheaper works out at $440.

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