Compare health insurance plans side-by-side and find out which one actually costs less based on your expected medical spending.
Compare Plans Now →Don't just compare premiums. Our tools show your total annual cost including deductibles, coinsurance, and out-of-pocket maximums.
Factor in HSA/FSA contributions and your marginal tax rate to see your true after-tax costs.
Compare costs across different spending levels. See which plan wins if you're healthy vs. if you have high medical expenses.
Enter your plan details and see interactive charts comparing total annual costs across different medical spending scenarios. Supports in-network and out-of-network spending.
Open CalculatorAdd your insurance options with their premiums, deductibles, coinsurance rates, and out-of-pocket maximums.
Enter your tax rate and any HSA/FSA contributions to account for tax benefits.
See charts and tables showing which plan costs less at every spending level, from $0 to catastrophic.