Skip to content
Plan Cost Estimator

Know what your health care will really cost next year

We bring clarity and transparency to the total cost of your employer's health care, so you can choose what's right for your family and your finances.

Start my estimateQuick comparison · about 3 minutes

Full estimate about 10 minutes · No names, SSNs, or member IDs

  1. Your bill is more than your premium

    We add up every piece of your year, not just the premium.

    Illustration, not real figures.

  2. Two plans, side by side

    Compare your current plan with the ones you could switch to; the right choice can save you up to thousands of dollars.

    Illustration. Your savings depend on your plans and your care.

  3. A view of your family's expenses

    Your doctors, prescriptions and any other coverage, in one estimate.

  4. See your likely, best and worst year

    Then change any answer and compare again.

    Illustration, not real figures.
    Begin your estimate

Everything we count, so nothing surprises you

  • Your premiums for the year
  • Deductibles, copays and coinsurance
  • The out-of-pocket limit that caps your risk
  • Prescriptions, by tier
  • In-network and out-of-network care, or paying cash
  • Other coverage and who pays first
  • HSA and FSA tax savings

Not sure what a word means? The Learn page explains each one with a simple example.

Where the money goes

Your likely year will show here once you finish an estimate.

Total

  • Premiums
  • Deductible
  • Copays & coinsurance
  • Prescriptions

Nothing to show yet.

This tool is not a doctor, lawyer, or financial advisor. All results are estimates. Confirm all details with your employer benefits team or insurer. How we handle your information.