Health Out-of-Pocket Max Calculator

Estimate your total healthcare costs for the year.

Estimated Total Medical Bills ($)

Annual Deductible ($)

Coinsurance You Pay (%)

Out-of-Pocket Maximum ($)

Term	What it means in American Healthcare
Deductible	The fixed amount you pay before the insurance company starts to share the costs.
Coinsurance	Your share of the costs of a covered health care service, calculated as a percent.
Out-of-Pocket Max	The most you’ll have to pay for covered services in a year. After you spend this amount, the plan pays 100%.
Excluded Costs	Monthly premiums and out-of-network “balance billing” usually do not count toward your OOP max.