Estimate the total yearly cost of a health plan at your expected level of medical spending.
How to read the results
Spending fills the deductible, then coinsurance applies, capped at the out-of-pocket maximum.
Health plan cost calculator
Estimate the total yearly cost of a health plan at your expected level of medical spending.
Built and reviewed by Dovanic, Founder and editor, FreeByteLast reviewed: 2026-08-18
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20%
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Total cost for the year
$7,040
Your share of care
$3,200
- Premiums
- $3,840
- Paid toward the deductible
- $2,500
- Coinsurance
- $700
- Worst case for the year
- $10,840
Methodology
Spending fills the deductible, then coinsurance applies, capped at the out-of-pocket maximum.
- · In-network care only
- · No copay schedule modelled
Estimates only. Nothing here is financial advice. Spotted something wrong? Tell us and it gets fixed.