Compare plans by what you’d actually pay
A low premium can cost more over a year if you use care. Enter each plan’s numbers and how much care you expect.
Typical yearBronze HDHP costs the least: about $1,550 less a year.Gold PPO $6,870 · Bronze HDHP $5,320
1. Plans
A
$
Copays (visits, ER, drugs)
B
$
Copays (visits, ER, drugs)
2. Care you expect next year
A few visits, a specialist, monthly generic, some labs.
Change the visits and services
3. Estimated yearly cost
For this year of care, Bronze HDHP costs the least: about $1,550 less than the most expensive option.
| Plan | Total | |||
|---|---|---|---|---|
| Gold PPO | $6,870$6,240 premiums + $630 careworst $12,240 | |||
| Bronze HDHPLowest | $5,320$3,480 premiums + $1,840 careworst $12,480 | |||
| Worst case is a full year of premiums plus the out-of-pocket maximum. Estimates use rough national prices for each service. | ||||
How each plan’s out-of-pocket cost adds up
| Service | Gold PPO | Bronze HDHP |
|---|---|---|
| Preventive checkups × 1 | $0 | $0 |
| Primary care visits × 3 | $75 | $540 |
| Specialist visits × 2 | $120 | $560 |
| Urgent care visits × 1 | $75 | $200 |
| Lab tests × 2 | $240 | $240 |
| Generic prescriptions (fills) × 12 | $120 | $300 |