Health Insurance Deductible Calculator
Compare two health plans by annual premium plus expected out-of-pocket after deductible and coinsurance. Financial planning only — not medical advice.
Enter Your Values
Using shared profile · 3,500/mo · EUR — edit on Dashboard
Results update automatically as you change values.
What-If Scenarios
Results update instantlyCost Breakdown
Expected Annual Cost
Click chart to expand
Side-by-Side Comparison
Bars show relative size · ✓ marks the better option- Premium
- €250
- Expected OOP
- €560
- Total
- €810
- Premium
- €180
- Expected OOP
- €800
- Total
- €980
| Factor | Recommended Plan A | Plan B |
|---|---|---|
| Premium | €250 | €180 |
| Expected OOP | €560 | €800 |
| Total | €810 | €980 |
At €800 expected claims, Plan A is cheaper by €170.
Scenario Analysis
How the outcome shifts if your assumptions turn out better or worse than expected.
Optimistic assumptions
At stated inputs
Pessimistic assumptions
Compare Scenarios
Pin up to 3 and see them side by sideSet your inputs, then Pin current to save this scenario. Pin a few variations to compare their scores and outcomes here.
What Moves the Needle Most
How much each factor changes your Plan A Expected Annual Cost across its full range. Expected Claims has the biggest impact.
Focus your attention on Expected Claims — getting it right matters most. Factors lower down move the result less, so rough estimates there are fine.
Confidence & Assumptions
The outcome shifts meaningfully with your assumptions. Sensible, but revisit the key inputs.
Plan A Expected Annual Cost: €972 (worst) → €810 (expected) → €689 (best)
These are the estimates the result depends on. Adjust them (and the Advanced inputs) to match your real situation — the closer they are to reality, the more reliable your decision.
These estimates are for informational purposes only and do not constitute financial advice. Actual results may vary based on factors not captured in this calculator.
How This Calculator Works
What this calculator does
Compare two health insurance plans by combining annual premium with expected out-of-pocket cost after deductible and coinsurance.
How the calculation works
For each plan we apply your expected claims to the deductible, then coinsurance on the remainder, and add the annual premium.
Formula
Total = Premium + min(Claims, Deductible) + max(Claims − Deductible, 0) × Coinsurance%
Example
At €800 claims, Plan A (€250 premium, €500 deductible, 20% coinsurance) vs Plan B (€180 / €1,500 / 20%) shows which path is cheaper for that year.
How to Use This Calculator
- 1Enter your numbers
Fill in the inputs for Health Insurance Deductible Calculator. Defaults are realistic starting points — replace them with your actual figures.
- 2Understand the calculation
For each plan we apply your expected claims to the deductible, then coinsurance on the remainder, and add the annual premium.
- 3Review results and scenarios
Check metrics, cost breakdown, comparison tables, and best / expected / worst scenarios. Use sliders to stress-test assumptions.
- 4Decide with the verdict
Read the decision engine recommendation and FAQ. Example: At €800 claims, Plan A (€250 premium, €500 deductible, 20% coinsurance) vs Plan B (€180 / €1,500 / 20%) shows which path is cheaper for that year.
Factors to Consider
- Network and formulary matter as much as price
- Stress-test a high-claim year
- Out-of-pocket maximums can cap bad years
- Employer contribution changes effective premium
Common Mistakes
- Comparing premiums only
- Assuming every year looks average
- Ignoring coinsurance after the deductible
Frequently Asked Questions
Is this medical advice?+
No. This is a financial planning comparison of premiums and cost-sharing. Care quality and coverage rules are separate decisions.
What if claims are unpredictable?+
Re-run with low, typical, and high claim amounts. The cheaper plan often flips when claims rise.
This calculator provides estimates for informational purposes only and does not constitute financial, investment, tax, or legal advice. Always consult a qualified professional before making important financial decisions.
Related Calculators
Explore other tools that might help with your decision.