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Health Insurance Cost Calculator
Enter your plan’s deductible, coinsurance and out-of-pocket maximum to split any medical bill.
Health Insurance Cost Calculator
You payInsurance pays $6,400
| Step | You pay |
|---|---|
| Deductible | $2,000 |
| Coinsurance (20% of the rest) | $1,600 |
| Copay | $0 |
| Capped at your remaining out-of-pocket maximum | No |
Uses the plan’s allowed amount (in-network negotiated price), not the hospital’s list price. India: “co-payment” on a cashless claim works like coinsurance, and room-rent capping can reduce the whole claim proportionately.
Estimates for planning only — not insurance, financial or tax advice. Premiums, rules and benefits vary by insurer and change; confirm with your insurer or a licensed adviser. Disclaimer
Deductible → coinsurance → out-of-pocket max
You pay the deductible first, then your coinsurance percentage of the rest, until you hit the out-of-pocket maximum — after that the plan pays 100% of covered in-network care for the year.
Frequently asked questions
Is my data uploaded?
No. The calculation runs entirely in your browser — nothing you type is sent to a server.
Is it free?
Yes — free, unlimited and no sign-up.