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Insurance & Protection · Health & Medicare

Health Plan Cost Comparison Calculator

Short answer: What does the Health Plan Cost Comparison Calculator calculate?

The Health Plan Cost Comparison Calculator works out yearly savings with the lower-cost plan, lower-cost plan and plan A total yearly cost. Compare the true yearly cost of two health plans — premiums plus deductible, coinsurance and out-of-pocket maximum — at the level of care you expect. Embed it on your own website on the Business plan.

Updated · Applies to the United States (US rules, USD)

  • Free to use here · embed on the Business plan
  • 6 inputs · 6 results
  • Works in 6 languages
  • Uses US rules and USD

Try the Health Plan Cost Comparison Calculator

See which plan costs less for your expected care — results update as you type.

See all 12 themes
Theme
Mode

Ledger · Free on every plan · The classic CalcFunnel card: gradient results header, clean panels.

Loads from app.calcfunnel.com when you scroll here.

Estimates only — not a loan offer or financial advice. Switch theme and light/dark above to see how it could look on your site.

Put this calculator on your website

What this calculator does

What the Health Plan Cost Comparison calculator works out

The Health Plan Cost Comparison Calculator is a free, embeddable calculator from CalcFunnel. Compare the true yearly cost of two health plans — premiums plus deductible, coinsurance and out-of-pocket maximum — at the level of care you expect.

You enter 6 inputs: expected yearly medical costs, monthly premium (your share), deductible, coinsurance (%), Out-of-Pocket maximum and employer HSA/HRA contribution.

It returns yearly savings with the lower-cost plan, lower-cost plan, plan A total yearly cost, plan B total yearly cost, plan A worst-case year and plan B worst-case year.

Built for insurance agents and benefits advisors. Embedding it on your own website needs the Business plan (from $210/month, with a 14-day free trial), which unlocks the Insurance & Protection category.

Results it shows

  1. 01Yearly Savings With the Lower-Cost Plan
  2. 02Lower-Cost Plan
  3. 03Plan A Total Yearly Cost
  4. 04Plan B Total Yearly Cost
  5. 05Plan A Worst-Case Year
  6. 06Plan B Worst-Case Year

The first figure — yearly savings with the lower-cost plan — is the headline result.

Inputs

What you can change

Every field visitors can adjust, straight from the calculator, with the same help text they see on the info icon. Each one starts with a sensible default, and the 6 results update as they type.

Expected Care

Expected Yearly Medical Costs
The total plan-allowed cost of the care you expect this year (visits, tests, prescriptions, procedures) before insurance pays. Try a low and a high figure to see how the answer changes.

Plan A

Monthly Premium (your share)
What you pay each month for Plan A after any employer contribution or premium tax credit.
Deductible
The amount you pay before Plan A starts sharing costs.
Coinsurance (%)
Your share of costs after the deductible, until you reach the out-of-pocket maximum.
Out-of-Pocket Maximum
The most you pay for covered in-network care in a year, including the deductible and coinsurance. Premiums do not count toward it.
Employer HSA/HRA Contribution
Money your employer puts in an HSA or HRA with Plan A each year. It offsets your costs.

Definitions

Health Plan Cost Comparison terms, defined

The terms this calculator uses, in plain words. The same definitions appear inside the calculator for your visitors.

Total yearly cost
Twelve months of premiums plus what you pay for care during the year, minus any employer HSA or HRA money. Comparing this figure, rather than premiums alone, shows the real price of each plan. A plan with a low premium can cost more overall if you use a lot of care.
Deductible
The amount of covered costs you pay each year before the plan starts paying its share. Many plans cover preventive care, and some cover office visits or drugs, before the deductible is met; this calculator assumes all costs count toward it.
Coinsurance
Your percentage of covered costs after the deductible. With 20% coinsurance on a $5,000 bill after the deductible, you pay $1,000 and the plan pays $4,000, until you reach the out-of-pocket maximum.
Out-of-pocket maximum
The cap on what you pay for covered in-network care in a plan year, counting deductibles, coinsurance and copays. After you reach it the plan pays 100% of covered care. Premiums and out-of-network care do not count toward it. Federal law sets the highest out-of-pocket maximum a plan may have each year.
Worst-case year
A year's premiums plus the full out-of-pocket maximum, minus employer HSA or HRA money. It is the most you would pay for covered in-network care in a bad year, and is useful when you are weighing a cheaper plan against your ability to handle a large bill.
Allowed amount
The price a plan has negotiated with in-network providers for a service, which is usually lower than the billed charge. Your deductible and coinsurance are based on the allowed amount, so use it when you estimate your yearly medical costs.
HSA and HRA
A health savings account (HSA) pairs with a high-deductible plan and lets you and your employer set aside tax-free money for medical costs; unused money stays yours. A health reimbursement arrangement (HRA) is employer-funded and its rules are set by the employer. Either one reduces your net cost.
Summary of Benefits and Coverage (SBC)
A standard document every health plan must provide, listing the deductible, coinsurance, copays and out-of-pocket maximum, with coverage examples. It is the best place to find the figures to enter here.

For your website

How it looks on your site

Put the Health Plan Cost Comparison Calculator on your own site with your colors, copy and lead form, in whichever of these five ways suits the page. Every calculation can arrive in your CRM with the numbers attached.

Works on WordPress, Wix, Squarespace, Webflow, Shopify, GoHighLevel and plain HTML — paste one line into an HTML or code block. No plugin needed.

  • Inline, without an iframe

    Paste the snippet where the Health Plan Cost Comparison Calculator should appear. It renders into your page, fills the width of its container and grows to fit.

    Best for: Landing pages, blog posts, calculator pages

  • Popup button

    A button sits on your page; one click opens the calculator in a popup over it.

    Best for: Pricing sections, hero areas, listings

  • Floating corner widget

    Paste once (or in your site-wide footer code) for a floating bubble in the corner of every page.

    Best for: Site-wide, always one click away

  • Your own link or button

    Give any existing link, button or image a class and it opens the calculator when clicked.

    Best for: Menus, images, in-text links

  • Direct link

    A full-page link to the calculator for emails, social posts, QR codes or a menu item.

    Best for: Email, social, print, QR codes

Start free How embedding works

Free plan, no card. 14-day trial on Pro & Business.

Widgets

Use it in a widget

Group the Health Plan Cost Comparison Calculator with up to 11 other calculators in one widget: a floating launcher, tabs, a row of buttons or a card grid. Widgets per plan: Free 1, Pro 10, Business unlimited.

  • Floating launcher widget, Classic bubble design: Round launcher with a soft pulse and a clean list.

    Floating launcher

    A bubble in the corner of every page opens a menu of your calculators.

    6 ready-made designs

  • Tabs widget, Underline design: Text tabs with an animated underline.

    Tabs

    Calculators side by side in one block on the page, switched with tabs.

    6 ready-made designs

  • Buttons widget, Solid design: Filled buttons in your brand color.

    Buttons

    A row of buttons; each one opens its calculator in a popup.

    6 ready-made designs

  • Cards grid widget, Elevated design: White cards with a soft shadow and lift.

    Cards grid

    A grid of cards with an icon and a short blurb; click to open the calculator.

    6 ready-made designs

See every widget design

FAQ

Health Plan Cost Comparison calculator FAQs

Still stuck? Ask the team — we reply within one business day.

Q.01What does the Health Plan Cost Comparison Calculator calculate?
Compare the true yearly cost of two health plans — premiums plus deductible, coinsurance and out-of-pocket maximum — at the level of care you expect. It returns yearly savings with the lower-cost plan, lower-cost plan, plan A total yearly cost, plan B total yearly cost, plan A worst-case year and plan B worst-case year.
Q.02What information do I need to use the Health Plan Cost Comparison Calculator?
You enter 6 inputs: expected yearly medical costs, monthly premium (your share), deductible, coinsurance (%), Out-of-Pocket maximum and employer HSA/HRA contribution. Every input starts with a sensible default, so you can change only what you know.
Q.03What does “Expected Yearly Medical Costs” mean in the Health Plan Cost Comparison Calculator?
The total plan-allowed cost of the care you expect this year (visits, tests, prescriptions, procedures) before insurance pays. Try a low and a high figure to see how the answer changes.
Q.04What does “Monthly Premium (your share)” mean in the Health Plan Cost Comparison Calculator?
What you pay each month for Plan A after any employer contribution or premium tax credit.
Q.05Is the Health Plan Cost Comparison Calculator free to use?
Yes — you can use it on this page for free, without an account. Embedding it on your own website needs the Business plan (from $210/month, with a 14-day free trial), which unlocks the Insurance & Protection category. Compare plans.
Q.06Can I embed the Health Plan Cost Comparison Calculator on my website?
Yes. Embed it inline, as a popup button, as a floating corner widget, from your own link or button, or share a direct link. It works on WordPress, Wix, Squarespace, Webflow, Shopify, GoHighLevel and plain HTML sites with one line of code — see embedding.
Q.07Can I change how the Health Plan Cost Comparison Calculator looks?
Yes. Choose from 12 themes, each in light and dark, then set your own brand colors and font. Ledger, Minimal, Compact come with every plan; the others unlock on Pro and Business.
Q.08Is the Health Plan Cost Comparison Calculator available in other languages?
Yes. It works in English, Spanish, Simplified Chinese, Korean, Vietnamese and Arabic, with a right-to-left layout in Arabic. Labels, tooltips, results and definitions are translated, visitors can switch language inside the calculator, and amounts stay in US dollars and US number format.
Q.09Can the calculator capture leads?
Yes. It can end with a lead form, a Get a Quote form, a Share panel or a button to any URL. Leads are saved with the inputs and results attached and can be forwarded to your CRM by webhook.
Q.10Are the Health Plan Cost Comparison results financial advice?
No. Estimates only. Uses a simplified model: you pay all costs up to the deductible, then your coinsurance share, up to the out-of-pocket maximum. Copays, separate drug deductibles, services covered before the deductible, out-of-network care and family versus individual deductibles are not modeled. Medical costs should be the plan-allowed amounts, not billed charges. Employer HSA or HRA money is subtracted as if fully used. Check each plan's Summary of Benefits and Coverage and consult a licensed agent.

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