Healthcare
What does health insurance really cost per month?
This health insurance cost calculator turns premiums, deductibles, and coinsurance into a realistic monthly number you can budget.
Try the calculator
Estimate best, expected, and worst-case monthly healthcare costs.
How it works
We start with your premium, subtract any employer contribution, then estimate medical spending. If your spend exceeds the deductible, we add coinsurance and cap it at the out-of-pocket max.
Example scenario
A $420 premium with a $3,000 deductible, 20% coinsurance, and $2,500 expected spend produces an expected monthly cost around $560 when copays are included.
What this means
Your true cost is more than the premium. Use the expected number to budget, then keep a buffer for the worst-case scenario.
FAQ
What is the difference between a deductible and out-of-pocket max?
The deductible is what you pay before coinsurance kicks in. The out-of-pocket max is the most you pay in a year for covered care.
What does coinsurance mean?
Coinsurance is the percentage you pay for covered services after meeting your deductible.
Does this include premiums?
Yes. We include your monthly premium and estimate out-of-pocket costs based on expected usage.
Can I compare plans here?
You can model each plan one at a time by changing the inputs to see which plan fits your budget.