Combined Insurance Optimization Calculator

A lower premium plan can still cost more overall if its deductible is high enough that you pay more out-of-pocket before coverage kicks in. The calculator handles this by adding Math.min(expectedMedicalCosts, deductible) to each option's annual premium total — separate plans add both partners' deductibles together, while the family plan uses its single combined deductible — so a plan's true annual cost reflects both what you pay in premiums and what you're likely to pay toward care.

Auto insurance savings from bundling are driven almost entirely by discount pricing on the combined policy, not by how deductibles interact with expected claims the way health spending does. The calculator simply compares separateAutoAnnual against bundledAutoAnnual, since modeling expected accident costs the way it models medical costs would require assumptions (accident probability, claim size) that are far less predictable than routine annual medical spending.

Use your household's realistic estimate of out-of-pocket spending for the year — routine visits, prescriptions, and any known upcoming procedures — since this number directly determines which plan looks cheaper once it's compared against each option's deductible. If one partner has a chronic condition or a planned procedure, use that partner's expected costs rather than a low rough guess, because a higher medical-cost estimate can flip the health insurance recommendation from separate plans to a family plan or vice versa.

Yes — Total Annual Savings and Monthly Savings can both go negative, which simply means the separate/individual option comes out cheaper than the combined/bundled one for the numbers you entered. This can happen, for example, when a family health plan's premium and deductible together outweigh what you'd pay on two individual plans with lower expected medical costs, so a negative result is a legitimate answer telling you not to switch.