US Health Insurance Simulator

Simulate medical bills to learn how Deductibles, Coinsurance, and Out-of-Pocket Maximums work.

Coming from a country with socialized healthcare? The U.S. system requires you to pay out-of-pocket (Deductible) before insurance covers a percentage (Coinsurance) up to a yearly limit (Out-of-Pocket Maximum).

Plan Details

Plan Deductible ($)Your Coinsurance (%)Out-of-Pocket Maximum ($)Simulated Medical Bill ($)

Cost Sharing Result

Enter your plan figures and click Simulate Bill.