Private plan comparison
Compare health insurance plan costs
Compare two actual U.S. plan offers using their monthly premiums, in-network out-of-pocket maximums, and what you expect to spend on covered in-network services. Your figures stay in this browser.
Plan A
Use a written benefit summary for this plan. The starting numbers are fictional examples.
Plan B
Use a written benefit summary for this plan. The starting numbers are fictional examples.
Annual total cost comparison
Plan A
$6,840
Your scenario: $5,040 annual premium + $1,800 assumed covered in-network costs.
Premium + stated out-of-pocket maximum: $13,740
Plan B
$7,780
Your scenario: $6,780 annual premium + $1,000 assumed covered in-network costs.
Premium + stated out-of-pocket maximum: $12,880
Plan A is $940 less expensive under these specific assumptions.
This is arithmetic using your figures, not a forecast of medical spending or a judgment about plan quality. It does not account for noncovered services, out-of-network charges, balance billing, tax treatment, subsidies that change or provider availability. The maximum scenario does not mean your expenses can never exceed that amount.
Questions before enrolling
- Are your doctors, hospitals and prescriptions in the plan network or formulary?
- What are the deductible, copayments and coinsurance for common services?
- Are there referral, prior authorization, waiting or other eligibility rules?
- Does the plan have a separate out-of-network deductible or maximum?
Verified consumer guidance
HealthCare.gov explains how premiums and out-of-pocket costs work and the differences among plan networks. Check the actual benefit documents before making decisions.