Choosing a plan · 2026
Health Plan Comparison Calculator
A low premium is not a cheap plan. Enter both options and your expected medical spending to see the total each would actually cost you.
Estimate only. Based on published 2026 federal figures. Does not account
for every plan term, state rule, or exclusion. Your plan documents and denial notice always
govern. Not medical, legal, or insurance advice. Figures verified 2026-07-26.
Common questions
What should I use for expected medical charges?
Use the allowed amounts from last year’s EOBs, not what you paid. If you have a planned surgery or birth, add its allowed amount. If you genuinely do not know, run the comparison twice: once at zero and once at the worst case.
Why does the worst case matter more than the expected case?
Because the expected case is a guess and the worst case is a contract term. The worst case is premiums plus the out-of-pocket maximum, and that is the real question a health plan answers: what is the most this can cost me.