🏥 Health Plan Comparator

Compare HMO, PPO, and HDHP plans side by side. See total annual cost based on your expected healthcare use.

About This Tool

Compare up to three health insurance plans side by side. See total annual cost including premiums, deductibles, coinsurance, and out-of-pocket maximums for your expected healthcare usage.

How It Works

Enter monthly premium, deductible, out-of-pocket maximum, and coinsurance percentage for each plan. Then enter your expected annual healthcare costs. The calculator shows total annual cost for each plan and identifies the winner.

Why It Matters

The plan with the lowest premium is often the most expensive when you actually use healthcare. This calculator reveals the true cost, not just the sticker price.

Your Information

Plan 1: Monthly Premium ($)

Plan 1: Deductible ($)

Plan 1: Out-of-Pocket Max ($)

Plan 1: Coinsurance (%)

Plan 2: Monthly Premium ($)

Plan 2: Deductible ($)

Plan 2: Out-of-Pocket Max ($)

Plan 2: Coinsurance (%)

Plan 3: Monthly Premium ($)

Plan 3: Deductible ($)

Plan 3: Out-of-Pocket Max ($)

Plan 3: Coinsurance (%)

Expected Annual Healthcare Cost ($)

Results

Enter three health plans and your expected healthcare costs to compare total annual cost.