Health Plan Comparison Calculator
Compare total annual costs across Bronze, Silver, Gold, and Platinum health insurance plans based on your expected medical spending.
Medical Disclaimer
This calculator is for informational and educational purposes only. It is not a substitute for professional medical advice, diagnosis, or treatment. Always consult a qualified healthcare provider before making decisions about your health. Never disregard professional medical advice or delay seeking it because of results from this tool.
Savings with Best Plan
$900.00
Inputs
Comparison
Bronze Total Annual Cost
$8,600.00
Silver Total Annual Cost
$9,100.00
Gold Total Annual Cost
$8,200.00
Platinum Total Annual Cost
$8,750.00
Premium vs Out-of-Pocket by Plan
How to Use This Calculator
- Enter the monthly premium, deductible, and out-of-pocket maximum for Plan A.
- Enter the same figures for Plan B.
- Set your expected annual healthcare utilization (low, medium, or high).
- Review the Total Annual Cost for each plan under different usage scenarios.
- Choose the plan with the lower total cost for your expected utilization level.
How the result changes with Gold Monthly Premium
| Gold Monthly Premium | Savings with Best Plan |
|---|---|
| $290.00 | $3,420.00 |
| $765.00 | $2,780.00 |
| $1,335.00 | $9,620.00 |
| $1,810.00 | $15,320.00 |
What each input means
- Expected Annual Medical Costs
- Your estimated annual medical expenses before insurance (doctor visits, prescriptions, procedures).
- Bronze Monthly Premium
- Monthly premium for the Bronze plan option.
- Silver Monthly Premium
- Monthly premium for the Silver plan option.
- Gold Monthly Premium
- Monthly premium for the Gold plan option.
- Platinum Monthly Premium
- Monthly premium for the Platinum plan option.
How this is calculated
Worked example, using the default values
- Identify Input Parameters4 parametersExpected Annual Medical Costs = 5000, Bronze Monthly Premium = 300, Silver Monthly Premium = 400, Gold Monthly Premium = 500 = 5 input(s) provided
- Calculate Savings with Best PlanSavings with Best Plan = round(900 = $900
- Calculate Bronze Total Annual Cost8600 = $8,600
- Calculate Silver Total Annual Cost9100 = $9,100
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