Health Insurance Premium Calculator
Last updated: July 2026
Estimate annual employee health-plan cost from premiums, employer contributions, expected medical spending, deductible and coinsurance.
Estimated annual employee health-plan cost
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- Employee annual premium share: —
- Estimated out-of-pocket medical cost: —
- Estimated monthly employee cost: —
- Employer annual contribution: —
On this page
Quick summary: Estimate annual employee health-plan cost from premiums, employer contributions, expected medical spending, deductible and coinsurance. Enter the requested values, calculate, review the result, and compare more than one realistic scenario before making a decision.
Read the complete guide
What this calculator estimates
Estimate annual employee health-plan cost from premiums, employer contributions, expected medical spending, deductible and coinsurance. It is designed for fast planning and comparison in the United States. The output is an estimate, not a binding quote, approval, tax determination, insurance offer or professional recommendation.
How to use it
Enter the requested values using a single consistent time period and currency. Select Calculate, review the headline result and supporting figures, then change one assumption at a time to compare another scenario.
How the calculation works
Employee premium cost equals the monthly premium minus the employer contribution, multiplied by 12. Estimated medical cost applies the deductible and coinsurance and caps the result at the entered out-of-pocket maximum.
Important limitations
Networks, copays, non-covered care, prescriptions, family tiers, HSA contributions and plan rules are not modeled. Review the plan summary of benefits and coverage.
Frequently asked questions
Is the result exact?
No. It is a planning estimate based on the assumptions entered.
Can I compare different scenarios?
Yes. Change one input at a time so you can see which assumption changes the result.
Does the calculator store my inputs?
The calculation runs in the browser and does not require an account. Avoid entering unnecessary confidential information.