स्वास्थ्य बीमा प्रीमियम कैलकुलेटर — सूत्र

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)

हल किया गया उदाहरण

$450/month premium, $2,000 deductible, 20% coinsurance, $5,000 expected bills.

  1. Annual premiums = $450 x 12 = $5,400
  2. You pay first $2,000 (deductible)
  3. Remaining $3,000 x 20% = $600 coinsurance
  4. Out-of-pocket = $2,000 + $600 = $2,600
  5. Total annual cost = $5,400 + $2,600 = $8,000