Bills · 2026
What Will I Owe? Medical Bill Calculator
A provider charge and the plan’s allowed amount can differ. Enter the figures shown on your bill and EOB to model deductible and coinsurance, then confirm the actual patient responsibility with the plan.
Common questions
Why can the billed amount differ from the allowed amount?
The provider’s billed charge and the plan’s allowed amount are different figures. For covered in-network care, the EOB and plan documents show the amount recognized by the plan and the cost sharing assigned to the member.
What if the provider bill is higher than the EOB patient responsibility?
Compare the bill with the EOB and ask the provider and plan to explain the difference. Federal surprise-billing protections apply only in specified situations and have coverage and consent boundaries; state protections may differ.
Does everything count toward my out-of-pocket maximum?
HealthCare.gov explains that the maximum generally applies to covered, in-network essential health benefits. Premiums, noncovered services, and many out-of-network charges do not count; the EOB and plan terms determine the actual accumulation.