Transparent calculator methodology
Compare every practical way to enroll your family
When both spouses can enroll through work, the leading family arrangement may be everyone on one employer plan or each spouse on their own plan with the children assigned to either parent. This tool compares those arrangements using the same simplified care assumptions.
What the estimate includes
- Employee-only, employee-plus-spouse, employee-plus-children, and family premiums
- Spousal surcharges, opt-out credits, and employer HSA or HRA money
- Embedded or aggregate family deductibles and out-of-pocket limits
- Low-use, expected-use, high-use, and worst-case annual cost comparisons
How the comparison works
For each eligible enrollment arrangement, the calculator annualizes premiums, estimates deductible and coinsurance cost sharing, applies family out-of-pocket limits, and then subtracts eligible employer health-account funds and opt-out credits. Results are compared under identical household care assumptions.
Important limitation
This is a simplified financial scenario planner, not an insurance recommendation or claims adjudication tool. It does not model copays, prescription tiers, services covered before the deductible, or claim timing. Confirm eligibility, networks, formularies, covered services, account rules, and all figures before enrolling.