Combined Insurance Optimization Calculator

Compare the cost of separate individual insurance policies vs combined family/bundled plans for health and auto insurance. Find your annual savings from consolidating coverage.

Financial Disclaimer

This calculator is for educational purposes only and does not constitute financial advice. Results are estimates based on the inputs provided. Consult a qualified financial advisor before making investment or financial planning decisions.

Inputs

Partner 1 Health Premium ($/mo)

Partner 2 Health Premium ($/mo)

Partner 1 Health Deductible ($)

Partner 2 Health Deductible ($)

Family Health Plan Premium ($/mo)

Family Plan Deductible ($)

Expected Annual Medical Costs ($)

Partner 1 Auto Premium ($/mo)

Partner 2 Auto Premium ($/mo)

Bundled Auto Premium ($/mo)

Tab to move between fields

Results

Total Annual Savings

$2,160.00

Monthly Savings

$180.00

Health Insurance Savings$1,440.00

Auto Insurance Savings$720.00

Separate Health Premiums (Annual)$10,440.00

Family Health Premium (Annual)$9,000.00

Separate Auto Premiums (Annual)$4,080.00

Bundled Auto Premium (Annual)$3,360.00

Total Separate Cost14,520%

Total Bundled Cost$12,360.00

How to Use This Calculator

Enter each partner current insurance coverage amounts (health, life, auto, home).
Set premium costs for each partner current plans.
Input combined income and asset values for coverage needs calculation.
Review recommended combined coverage levels and potential premium savings.
Use the output to compare quotes from insurers offering bundled or family policies.

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