Health Care Annual Cost Estimator

A Guided, Step-by-Step Plan Comparison

This guided tool walks you through comparing up to 3 health plans side by side. First you'll enter each plan's basic details (premium, deductible, out-of-pocket max, and copays), then your expected usage for the year (doctor visits, prescriptions, and any other services). We'll show you a medical cost comparison right away, then let you optionally add dental and vision to see the full picture.

*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.

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Let's set up your plans

Enter the basic details for each health plan you want to compare (you can compare up to 3 plans).

Your expected medical usage

Tell us about your expected healthcare needs for the year. This will be applied to all plans you're comparing.

👨‍⚕️ Doctor Visits & Urgent Care

💊 Prescriptions

How many prescriptions do you fill each month?

Most common medications
Name-brand drugs
High-cost medications

🏥 Other Medical Services

Your medical plan comparison

Based on your expected usage, here's what you'll pay with each plan.

Plan Annual Premium Medical Costs Rx Costs Total Medical

Want to add dental and vision costs?

These are optional and won't affect your medical comparison above.

Dental & vision details

Add your dental and vision plan information.

🎉 Your complete comparison

Here's your total estimated annual cost for each plan, including everything.

Plan Medical Total Dental Vision Grand Total