Health Cost Planner
Compare insurance plans, plan healthcare budgets, and budget for fitness and healthy lifestyle expenses. 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
Insurance Plan Comparison
Click chart to expand
Side-by-Side Comparison
Bars show relative size · ✓ marks the better option- Monthly Premium
- €250
- Deductible
- €500
- Annual Total (est.)
- €3,700
- Monthly Premium
- €180
- Deductible
- €1,500
- Annual Total (est.)
- €3,860
| Factor | Plan A | Plan B |
|---|---|---|
| Monthly Premium | €250 | €180 |
| Deductible | €500 | €1,500 |
| Annual Total (est.) | €3,700 | €3,860 |
This compares insurance plans and wellness budgets for financial planning only — not medical advice.
Scenario Analysis
How the outcome shifts if your assumptions turn out better or worse than expected.
Best-case outcome with favorable assumptions.
Most likely outcome based on your inputs.
Conservative outcome with cautious 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 Annual Cost across its full range. Plan A Premium has the biggest impact.
Focus your attention on Plan A Premium — getting it right matters most. Factors lower down move the result less, so rough estimates there are fine.
Confidence & Assumptions
The outcome is fairly stable across best and worst cases — this is a robust decision.
Plan A Annual Cost: €3,700 (worst) → €3,700 (expected) → €3,700 (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 insurance plans and plan your total health and wellness budget for financial planning.
How the calculation works
Estimates annual cost of each insurance plan including premiums, deductibles, and expected visits, plus wellness spending.
Formula
Annual Cost = (Premium × 12) + Deductible + (Visits × Cost) + Wellness Budget
Example
Plan A at €250/month with €500 deductible vs Plan B at €180/month with €1,500 deductible — which is cheaper for your usage?
How to Use This Calculator
- 1Enter your numbers
Fill in the inputs for Health Cost Planner. Defaults are realistic starting points — replace them with your actual figures.
- 2Understand the calculation
Estimates annual cost of each insurance plan including premiums, deductibles, and expected visits, plus wellness spending.
- 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: Plan A at €250/month with €500 deductible vs Plan B at €180/month with €1,500 deductible — which is cheaper for your usage?
Factors to Consider
- This is financial planning, not medical advice
- High-deductible plans suit healthy low-usage individuals
- Wellness spending is an investment in future health costs
Common Mistakes
- Choosing solely on premium price
- Not estimating your actual healthcare usage
Frequently Asked Questions
Is this medical advice?+
No. This compares costs for financial planning only. Consult healthcare professionals for medical decisions.
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.
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