Choosing a health insurance plan isn't just hard, it's cruel.

Until the US revamps the healthcare system, and you no longer have to predict how sick your family will be this coming year, we hope that this calculator helps you navigate your insurance decision.

Family Members



Scenario: Great! (really healthy)

Expected Claims: $625

Name Premiums Out of Pocket All In
Bronze $4,837 $625 $5,462
Silver $9,702 $400 $10,102
Gold $12,101 $320 $12,421
Person PCPSpecialistUrgent CareOutpatientInpatientPregnancyFractureX-Ray/MRI
Adult 1
Adult 2
Kid 1
Kid 2

Learn about the healthcare industry

  • An all-purpose overview of the current state of US Healthcare

    An American Sickness - Elisabeth Rosenthal

  • The history of how we got to this point

    Reinventing American Health Care - Ezekiel J. Emanuel

  • A review of how healthcare works in other countries

    The Healing of America - T. R. Reid

  • A study on the racial inequalities in the healthcare system

    Just Medicine: A Cure for Racial Inequality in American Health Care - Dayna Bowen Matthew

  • A novel-like take on the battle to implement ACA / Obamacare

    America's Bitter Pill - Steven Brill

  • Better understanding the role of genes in our lives

    The Gene: An Intimate History - Siddhartha Mukherjee

  • Better understanding the history of and battle against cancer

    The Emperor of All Maladies: A Biography of Cancer - Siddhartha Mukherjee

  • Thinking deeply about aging and death

    Being Mortal: Medicine and What Matters in the End - Atul Gawande

  • The future of medicine

    Deep Medicine: How Artificial Intelligence Can Make Healthcare Human Again - Eric Topol

When you click links to Amazon above, we may earn an affiliate commission (i.e. a small payment), but the amount you pay won't be impacted and our opinions haven't been influenced by this incentive.

Considerations for this health care calculator:

  • None of your data is stored - so it's only visible to you and goes away when you refresh the page.
  • This "simulates" your health care costs by adding up expenses over the year, taking into account individual & family deductible/out of pocket limits (i.e. when does co-insurance kick in / what is max $ capped at).
  • To save your results, you'll need to take a screenshot. In the future, I'll offer the ability to export data.
  • Things I'd like to add: out-of-network costs, prescriptions, & HSA savings. Let us know what you'd like to see!
  • There are a # of things I'd like to add to to make it easier to work with, but haven't had time yet. Sorry!