Krankenversicherungspraemienrechner — Formel
## Understanding Health Insurance Costs
Your total health insurance cost includes:
1. **Premiums**: Fixed monthly payments regardless of care used
2. **Deductible**: Amount you pay before insurance kicks in
3. **Coinsurance**: Your percentage share after meeting the deductible
4. **Out-of-pocket maximum**: Annual cap on your total spending
### Total Cost = Annual Premiums + min(Deductible + Coinsurance, OOP Max)
Your total health insurance cost includes:
1. **Premiums**: Fixed monthly payments regardless of care used
2. **Deductible**: Amount you pay before insurance kicks in
3. **Coinsurance**: Your percentage share after meeting the deductible
4. **Out-of-pocket maximum**: Annual cap on your total spending
### Total Cost = Annual Premiums + min(Deductible + Coinsurance, OOP Max)
Lösungsbeispiel
$450/month premium, $2,000 deductible, 20% coinsurance, $5,000 expected bills.
- Annual premiums = $450 x 12 = $5,400
- You pay first $2,000 (deductible)
- Remaining $3,000 x 20% = $600 coinsurance
- Out-of-pocket = $2,000 + $600 = $2,600
- Total annual cost = $5,400 + $2,600 = $8,000