Coverage Calculators
Two short tools — enter your own figures below. Results are planning estimates only, not a quote from any insurer.
Tool 1
Enter your plan's key figures and your expected annual medical spending to estimate a total yearly cost.
Estimated total annual cost
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This is a planning estimate based on the figures you entered — actual costs depend on your specific plan's rules and network.
Tool 2
Answer three quick questions about your expected healthcare usage to get a general usage-risk profile for comparing plan structures. This is a planning heuristic, not medical or financial advice.
Your general usage profile
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Plan terms, decoded
Pull these figures from your Summary of Benefits before you run either tool. The estimate is only as accurate as the numbers you enter.
What you pay to keep the plan active, usually monthly. Enter the annual total in the estimator.
What you pay toward covered care before most coinsurance or copay sharing begins.
Your share of covered costs after the deductible, shown as a percentage such as 20%.
A yearly ceiling on what you pay for covered in-network care, not including the premium.
A rough total of visits, tests, and care you think you may need this year, before insurance.
Pair your estimate with our care guidelines and patient-rights overviews.
Browse care guidelines