Welcome to the Healthcare Annual Cost Estimator!

This interactive Healthcare Plan Comparison Tool is designed to provide a comprehensive, estimated view of your total annual healthcare spending across various plans. It goes beyond simple premium and deductible figures by incorporating your specific expected usage, allowing you to model a realistic financial year. The calculator factors in all major cost centers, including recurring premiums (broken down by frequency), the main medical deductible and Maximum Out-of-Pocket (MOOP), and anticipated costs for medical services, prescriptions, dental care, vision expenses, and hearing aid costs. By analyzing how your usage interacts with a plan's specific cost-sharing rules—whether it's a co-pay or co-insurance model—the tool helps you make an informed financial decision during open enrollment or plan selection.

To use the tool effectively, you input two main types of data: the fixed plan details (like the deductible amount, MOOP cap, and co-pay/co-insurance percentages) and your estimated annual utilization (e.g., number of doctor visits, urgent care trips, and prescription fills). The system then dynamically processes these inputs, tracking your contribution toward the deductible and MOOP to determine your final capped medical and prescription drug expenses. The final output is a clear, single-row table that consolidates these figures to display the Total Estimated Annual Cost, alongside the current status of your deductible and MOOP. It is crucial to remember that these results are solely estimates based on the user-provided data and should not be considered a guarantee of actual billed costs.

*Disclaimer: This calculator provides ESTIMATED annual health care costs based solely on the parameters you manually enter. It is not a guarantee of coverage, benefit payment, or final out-of-pocket cost. Actual billed amounts and member responsibility may vary significantly due to factors outside of this calculation, including provider network status, varying allowed charges, medical coding, and specific plan-level exclusions or limitations.