4 calculators in this category
- Health Plan Total Annual Cost CalculatorACA cost-sharing structure: deductible, coinsurance, out-of-pocket maximumThe cheapest health plan is never the one with the lowest premium, and it is never the one with the lowest deductible either…
- Out-of-Pocket Maximum CalculatorACA cost-sharing limits, 45 CFR §156.130A family health plan carries four limits — an individual deductible, a family deductible, an individual out-of-pocket…
- Out-of-Network Balance Billing CalculatorNo Surprises Act (Consolidated Appropriations Act, 2021)An out-of-network bill has two independent parts and people conflate them constantly. Your cost share is the deductible and…
- HSA Long-Term Value CalculatorIRC §223 — health savings accountsA health savings account is the only account in the US tax code that is untaxed at all three points: the money goes in without…
Which one do you need?
- Health Plan Total Annual Cost Calculator
- Total premium plus expected cost sharing for up to three health plans, with the worst case for each and the spend level at which their rankings swap over.
- Out-of-Pocket Maximum Calculator
- Track family spending toward the deductible and out-of-pocket maximum, including how an embedded family limit interacts with each member's individual cap.
- Out-of-Network Balance Billing Calculator
- Separate what your insurer allows from what the provider bills, see the balance bill that gap creates, and check what counts toward your out-of-network cap.
- HSA Long-Term Value Calculator
- Project a health savings account when contributions are invested rather than spent, and price each of the three tax advantages against a taxable account and a 401(k).
More insurance & risk management categories
Related categories in other subjects
Where this work overlaps other trades and disciplines.