Premium Impact Calculator

Model your annual cost, not just your premium

Enter your policy numbers below. The calculator applies a standard deductible-then-coinsurance structure, capped at your out-of-pocket maximum.

Formula Step

Deductible First

Formula Step

Then Coinsurance

Formula Step

Capped at OOP Max

Storage

Saved on this device

Your Inputs

Out-of-Pocket & Premium Impact

Coverage type

Annual premium ($)

Expected annual claims ($)

Deductible $1,500

Coinsurance (your share after deductible) 20%

Annual out-of-pocket maximum ($)

Updates automatically as you adjust values. Inputs are saved locally to this browser only.

Estimated Result

Total estimated annual cost (premium + your share of claims)

Premium — 0% Your share of claims

Your share of claims

Insurer covers

This calculator estimates cost-sharing from your inputs — it is not a carrier quote. Real plans may apply separate deductibles by service type, network tiers, or per-incident caps not shown here.

Method

How the estimate is built

STEP 1

Below the deductible

Claims up to your deductible are paid entirely out of pocket.

STEP 2

Above the deductible

The remaining claim amount is split by your coinsurance percentage.

STEP 3

Out-of-pocket cap

Your total claim share is capped at the out-of-pocket maximum you set.