Health Insurance Plan Comparison Tool Calculator

Enter plan details and your expected care needs. Compare three options in one clean view. Download tables as CSV or a simple PDF report.

Inputs
Enter your expected yearly usage and each plan’s cost-sharing details.
Your expected annual usage
Enter 0–200.
Enter 0–200.
Enter 0–600.
Estimate of pre-insurance medical costs you expect (excluding copays).
Enter a valid number.
Plan details
Three plan cards align as 3/2/1 columns on large/medium/mobile screens.
Plan 1
Enter a plan name.
Enter a valid premium.
Enter a valid amount.
Set 0 if unknown.
Enter a valid amount.
Enter 0–100.
Enter a valid amount.
Enter a valid amount.
Enter a valid amount.
Tip: If your plan uses tiers, enter an average copay.
Plan 2
Enter a plan name.
Enter a valid premium.
Enter a valid amount.
Set 0 if unknown.
Enter a valid amount.
Enter 0–100.
Enter a valid amount.
Enter a valid amount.
Enter a valid amount.
Tip: If your plan uses tiers, enter an average copay.
Plan 3
Enter a plan name.
Enter a valid premium.
Enter a valid amount.
Set 0 if unknown.
Enter a valid amount.
Enter 0–100.
Enter a valid amount.
Enter a valid amount.
Enter a valid amount.
Tip: If your plan uses tiers, enter an average copay.
Reset
This tool estimates total annual cost as: annual premiums + estimated out-of-pocket for your usage.
Example data table
Sample inputs and a typical output pattern for comparison.
Item Plan A Plan B Plan C
Monthly premium$320$410$265
Deductible$1,500$800$2,500
OOP max$6,000$4,500$7,000
Coinsurance20%15%30%
Primary copay$25$20$30
Specialist copay$45$40$55
Rx copay$12$10$15
Assumptions
Primary visits2
Specialist visits1
Rx fills12
Allowed services cost$2,500
Typical output
Estimated total annual (example)Lower when premiums + OOP are balancedOften steady for moderate usageCan win for low usage
Replace sample numbers with your plan’s Summary of Benefits.
Formula used

Annual premium = monthly_premium × 12

Copays = (primary_visits × primary_copay) + (specialist_visits × specialist_copay) + (rx_fills × rx_copay)

Deductible applied = min(allowed_services_cost, deductible)

Coinsurance spend = max(0, allowed_services_cost − deductible_applied) × (coinsurance_pct ÷ 100)

Estimated out-of-pocket (OOP) is capped by the plan’s out-of-pocket maximum:

  • If copays count toward the cap: OOP = min(oop_max, deductible_applied + coinsurance_spend + copays)
  • If copays do not count: OOP = min(oop_max, deductible_applied + coinsurance_spend) + copays
  • If OOP max is unknown (0): OOP = deductible_applied + coinsurance_spend + copays

Estimated total annual cost = annual_premium + estimated_OOP

How to use this calculator
  1. Find each plan’s monthly premium, deductible, OOP max, coinsurance, and copays.
  2. Estimate your annual usage: visits, prescriptions, and expected covered services cost.
  3. Enter values for up to three plans and press Compare Plans.
  4. Review the table. The highlighted plan has the lowest estimated total.
  5. Download the results as CSV for spreadsheets or PDF for sharing.
Reminder: This is a simplified estimator. Real plans can include tiers, prior authorizations, separate deductibles, and exclusions. Always verify details with official plan documents.

Related Calculators

Medical Expense CalculatorHealth Coverage Cost EstimatorOut-of-Pocket Maximum CalculatorHealth Insurance Premium CalculatorOut-of-Pocket Expense CalculatorDeductible Calculation ToolHealthcare Cost Comparison CalculatorHealth Insurance Plan CostCopay Calculator for Health InsuranceHealth Insurance Payment Calculator

Important Note: All the Calculators listed in this site are for educational purpose only and we do not guarentee the accuracy of results. Please do consult with other sources as well.