Planning estimate only — not a quote, claim, or medical advice. Confirm with your plan documents.
Benefits worksheet
Individual vs family health insurance cost: which premium wins?
Enter both monthly premiums and how many people need coverage. We compare annual premium totals only.
Your numbersStays on device
Your numbers
$
$
Family plan costs less annually
$720
difference per year (premiums only).
- Family plan annual
- $14,400
- Individual plans annual
- $15,120
Compares premiums only — not networks, deductibles, or subsidies.
Related estimates
Common questions
For a first pass on premiums, yes. Then re-run with expected care using the high vs low deductible tool.
Enter the premium you actually pay after employer share for a fair comparison.
Sometimes two employee-only plans (spouses with different employers) beat one family tier on premium alone.
Yes - this page is a cluster tool for open-enrollment math. Pair it with the main premium calculator for traffic.