Health plan comparison calculator: yearly cost of two plans

Enter the premium, deductible, coinsurance and out of pocket maximum of two plans, and how much covered care you expect to use. The calculator adds twelve premiums to what you would pay for care under each plan, then shows which costs less and the amount of care at which the answer flips.

Rules checked November 2, 2026

Plan A

Monthly premium ($)

Deductible ($)

Coinsurance (%)

Out of pocket maximum ($)

Plan B

Monthly premium ($)

Deductible ($)

Coinsurance (%)

Out of pocket maximum ($)

Covered care you expect this year ($)

Lower yearly cost at this much care

Plan B saves $1,660

Plan A: $3,600 in premiums plus $7,100 for care is $10,700 for the year.

Plan B: $6,240 in premiums plus $2,800 for care is $9,040 for the year.

With no care at all, Plan A costs $3,600 and Plan B costs $6,240. If you reach the out of pocket maximum, Plan A costs $13,600 and Plan B costs $13,240.

The two plans cost the same at about $4,800 of covered care. Below that, Plan A costs less. Above it, Plan B costs less.

Enter premiums after any tax credit. Copays, prescription drugs and out of network care are not included.

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This is an estimate for general information, not an insurance quote or advice. Confirm dates and costs with your plan, your marketplace or Medicare.

How is the yearly cost worked out?

For each plan, twelve monthly premiums are added to what you would pay for care. You pay the whole bill until you reach the deductible, then your coinsurance share of what remains, and never more than the out of pocket maximum. The calculator also shows each plan with no care at all (only premiums) and with enough care to reach the out of pocket maximum, so you can see the best and worst year for each.

Where do the numbers come from?

Use the premium shown after any tax credit, and the deductible, coinsurance and out of pocket maximum from each plan's Summary of Benefits and Coverage. Plans with flat copays for visits are not matched exactly, because copays are left out. Prescription drugs, out of network care and services a plan does not cover are also left out, so use the result to compare plans, not to predict a bill.

How do I pick the care amount?

Think about the covered, in network care your household used last year, plus anything planned, such as a surgery or a delivery. If you are unsure, try a small amount, a middle amount and a large amount, and watch where the cheaper plan changes. That crossing point is shown under the answer.

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Or call (321) 485-9988 About ACA marketplace plans

Common questions

Is the plan with the lower premium always cheaper?

No. A lower premium often comes with a higher deductible and a larger share of each bill. If you use a lot of care, the plan with the higher premium can cost less over the year.

Do premiums count toward the deductible or the out of pocket maximum?

No. Premiums do not count toward either one.

Why does the calculator ask for the premium after tax credits?

Your tax credit lowers what you pay each month, so the yearly cost of a plan is based on the premium you would actually owe. A licensed agent can look up your exact prices.

Is this an insurance quote?

No. It is an estimate based only on the numbers you enter. For real plan prices and networks, ask a licensed agent for a free comparison.