Use this calculator to estimate your household's total healthcare spending this year based on your insurance plan and typical medical usage.
Your deductible is the amount you must pay out of your own pocket before your insurance plan starts to pay for covered services. Once you meet your deductible, your coinsurance kicks in. Higher deductibles typically mean lower monthly premiums, but you'll pay more upfront for medical services.
Read: Deductible vs Out-of-Pocket Max →Coinsurance is the percentage of healthcare costs you share with your insurance company after you've met your deductible. For example, if your plan has 20% coinsurance, you pay 20% and your insurer pays 80%. This continues until you reach your out-of-pocket maximum.
Read: Allowed Amount vs Negotiated Rate →Your out-of-pocket maximum is the total amount you'll need to pay for covered services in a calendar year. Once you reach this limit, your insurance company covers 100% of eligible medical expenses. This is your worst-case scenario for healthcare spending in a year.
Read: How to Read Your Medical Bill →Medical utilization refers to how much healthcare you actually use—the number of doctor visits, prescriptions, procedures, and emergency care. Factors like age, family size, chronic conditions, and overall health significantly impact your utilization. Our forecast adjusts for these factors to estimate your likely spending.
Read: 5 Ways to Save on Healthcare Costs →Understand the timeline and collections process if medical debt remains unpaid.
Key differences families need to know before their next doctor's appointment.
Complete breakdown of every line item on your explanation of benefits.
New 2025 rules and protections for medical debt on your credit report.