Health Plan Comparison Calculator

Expected Annual Medical Costs drives every plan's out-of-pocket estimate, so a rough guess still separates the tiers usefully -- try a low estimate (routine care only) and a high estimate (a surgery or ongoing condition) and compare how the best plan changes between the two runs. If the same tier wins across both scenarios, that's a more robust pick than one that only wins at your single best guess.

Bronze's Monthly Premium is much lower, and at low Expected Annual Medical Costs that premium savings outweighs Bronze's higher deductible and coinsurance, since you're barely touching the deductible either way. Platinum only pulls ahead once medical spending climbs high enough that its lower cost-sharing saves more than its higher premium costs across the year.

No -- each tier's Total Annual Cost is calculated independently from its own premium, deductible, coinsurance, and out-of-pocket maximum. Changing Bronze Monthly Premium only moves Bronze Total Annual Cost (and, potentially, which plan shows as the best option), leaving the other three tiers' totals completely unaffected.

No -- they're typical, illustrative figures representative of each ACA metal tier generally, not the specific terms on your plan documents. Actual deductibles, coinsurance rates, and out-of-pocket maximums vary by insurer, plan, and year, and the federal out-of-pocket maximum itself is adjusted annually, so check your plan's summary of benefits for the numbers that actually apply to you.