医疗保险保费计算器
估算医疗保险月度保费，根据年龄、地区和保险计划类型比较不同方案的费用，找到最适合的医保选项。
年总成本
$8,000
Total Annual Cost vs Monthly Premium
公式
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)
计算示例
$450/month premium, $2,000 deductible, 20% coinsurance, $5,000 expected bills.
- 01Annual premiums = $450 x 12 = $5,400
- 02You pay first $2,000 (deductible)
- 03Remaining $3,000 x 20% = $600 coinsurance
- 04Out-of-pocket = $2,000 + $600 = $2,600
- 05Total annual cost = $5,400 + $2,600 = $8,000
常见问题
Should I pick a high-deductible or low-deductible plan?
High-deductible plans have lower premiums but higher out-of-pocket costs. They work well for healthy people who rarely visit doctors. Low-deductible plans cost more monthly but limit your risk if you need frequent care.
What counts toward the out-of-pocket maximum?
Deductibles, copays, and coinsurance count toward your out-of-pocket max. Monthly premiums do NOT count. Once you hit this limit, insurance pays 100% for the rest of the year.
What is coinsurance?
Coinsurance is the percentage of costs you share with your insurer after meeting your deductible. For example, with 20% coinsurance, you pay 20% and insurance pays 80% of covered services.
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