Where to find your figures
Use your benefits enrollment materials and each plan's Summary of Benefits and Coverage. Match the coverage tier, such as employee-only or family. Multiply your per-paycheck premium by the number of deductions in the year.
Health insurance U.S. insurance
Compare what you pay for two employer health plans in a typical year and in a year when covered in-network spending reaches each plan’s limit.
Enter figures from your policy, quote, or benefits summary.
Worked example
Plan A at $1,800 in premiums plus $1,800 in expected cost sharing totals $3,600. Plan B at $2,800 plus $1,100 totals $3,900. A costs $300 less in this scenario.
Employer Health Insurance Cost Comparison · whichplancostsless.com
Use an expected cost-sharing total that already includes eligible deductible, copay, and coinsurance amounts. Out-of-network and uncovered care, account contributions, and taxes are outside the comparison.
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Behind the estimate
Use your benefits enrollment materials and each plan's Summary of Benefits and Coverage. Match the coverage tier, such as employee-only or family. Multiply your per-paycheck premium by the number of deductions in the year.
Add each annual employee premium to that plan's estimated covered in-network cost sharing. For the separate limit scenario, add the annual premium to the plan's in-network out-of-pocket maximum.
Plan A at $1,800 in premiums plus $1,800 in expected cost sharing totals $3,600. Plan B at $2,800 plus $1,100 totals $3,900. A costs $300 less in this scenario.
Use an expected cost-sharing total that already includes eligible deductible, copay, and coinsurance amounts. Out-of-network and uncovered care, account contributions, and taxes are outside the comparison.
Consumer guidance reviewed .
Comparing premium plus cost sharing under different levels of care.
What counts toward the covered in-network maximum and which costs sit outside it.
Before you decide
Use the employee contribution for your enrollment tier. Multiply the amount taken from each paycheck by the number of paychecks that include the deduction over the plan year.
The modeled maximum applies to eligible covered in-network care. Premiums, uncovered care, and many out-of-network bills sit outside that limit. Compare networks and drug coverage alongside the estimated cost.