Health Insurance Deductible Calculator

Compare health insurance plans by analyzing deductible and premium tradeoffs.

This calculator compares two health insurance plans by calculating total annual cost: premiums plus expected out-of-pocket expenses up to the deductible. It helps visualize the premium vs. deductible tradeoff. Higher-deductible plans have lower premiums but more out-of-pocket exposure. If you expect low healthcare usage, the high-deductible plan may cost less overall. If you anticipate significant claims, paying more in premiums for lower deductibles often makes sense.

Calculator

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Lower Total Cost
Plan A by $800
Plan A Annual Premium
$3,600
Plan A Out-of-Pocket
$1,500
Plan A Total Cost
$5,100
Plan B Annual Premium
$5,400
Plan B Out-of-Pocket
$500
Plan B Total Cost
$5,900

Common use cases

  • Assumes expected claims are accurate predictions
  • Does not account for coinsurance after deductible
  • Out-of-pocket max not included in this simplified model
  • Does not compare network quality or coverage differences

This tool provides general informational estimates and is not insurance advice or a quote.