Calculator

Healthcare liability calculator

See the most you’d pay in a bad year on your plan — premiums plus the out-of-pocket maximum — against your salary.

Math only. Not advice.

Your premium

Enter premium as

Enter per paycheck or per month — not both.

Premium per paycheck

Your share only, not the full premium.

Paychecks per year

Common defaults: 24 or 26. Use 12 if you enter a monthly amount instead.

Plan numbers (individual)

Annual deductible

From your SBC — individual in-network. See also deductible.

Out-of-pocket maximum

Individual in-network. This is the ceiling for covered care in a worst-case year.

Salary

Approximate annual salary

Round is fine. Used only to size the total against your income. Stays in your browser.

Enter premium, OOP max, and salary to see your numbers.

Educational math only. Not insurance, tax, or legal advice. Not a recommendation to enroll in or waive any plan. Confirm numbers against your Summary of Benefits and Coverage. Worst-case assumes you reach the in-network out-of-pocket maximum for covered services.