Planning estimate only — not a quote, claim, or medical advice. Confirm with your plan documents.
Benefits worksheet
High deductible vs low deductible: which health plan costs less this year?
Plug in both plans' monthly premiums and deductibles, plus rough expected care. See which total looks lower under a simple model.
Your numbersStays on device
Your numbers
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$
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Rough total of bills before insurance pays.
High-deductible plan looks cheaper
$260
annual gap under this simplified model (premium + up to deductible).
- Low-deductible annual estimate
- $8,100
- High-deductible annual estimate
- $7,840
Simplified: assumes you pay up to the deductible on care and ignores coinsurance/OOP max. Directional only.
Related estimates
Common questions
When expected care is low enough that premium savings beat the higher deductible risk. Flip the expected-care input to stress-test a bad year.
Not fully. OOP caps change worst-case years - pair this with the out-of-pocket max calculator after you shortlist plans.
If your HDHP comes with HSA money, treat that as reducing your net cost - subtract it mentally or lower the premium you enter.
Full plan math needs networks, copays, and coinsurance. This isolates the premium vs deductible tradeoff most people use at open enrollment.