Transparent calculator methodology
Price the deductible progress a midyear switch can erase
A lower-premium health plan can cost more for the remaining year when changing coverage restarts the deductible or out-of-pocket totals. This calculator isolates the months after the proposed switch.
What the estimate includes
- Remaining coverage months and expected covered allowed charges
- Current-plan deductible and out-of-pocket progress
- New-plan premiums, deductible, coinsurance, and out-of-pocket limit
- Separate confirmed deductible and out-of-pocket credits plus optional provider-transition cost
How the comparison works
The calculator subtracts confirmed progress from each plan threshold, applies future allowed charges to the remaining deductible and coinsurance, caps cost sharing at the remaining out-of-pocket limit, and adds only future premiums and entered transition cost.
Important limitation
This is not a determination that progress will transfer or a service will be covered. Obtain written credit confirmation and compare effective dates, provider networks, prescriptions, prior authorizations, employer health-account funding, COBRA rights, and plan-year dates separately.