Healthcare Cost Forecast
Estimate your household's annual medical expenses based on age, insurance plan, and usage
You've seen what procedures cost — now see what you'll pay
Your actual out-of-pocket cost depends on your insurance plan — not just the procedure price. Enter your deductible, coinsurance, and out-of-pocket max below, then add your planned visits. The forecast updates instantly.
No account needed — adjust the sliders and explore. Built by a healthcare actuary.
About this tool
The Healthcare Cost Forecast models your household's full annual medical spending using your actual insurance plan parameters — deductible, coinsurance rate, and out-of-pocket maximum. Add planned visits and procedures, and the tool shows exactly when you'll cross your deductible, your projected year-end total, and your worst-case exposure. Built by a healthcare actuary using the same cost-sharing math insurance plans use internally.
- ✓Families on high-deductible health plans
- ✓Employers and benefits administrators
- ✓Anyone planning surgery or major care this year
- ✓Set an annual healthcare savings goal
- ✓Decide how much to put in an HSA
- ✓Time elective procedures to minimize cost
- ✓Embed on employee benefits or HR platforms