Health Insurance Premium Calculator
Last updated: October 15, 2026
Estimate annual employee health-plan cost from premiums, employer contributions, expected medical spending, deductible and coinsurance.
Starting figures illustrate this model. Enter your own measurements, quoted costs and applicable terms; this page does not retrieve live prices or provider rates.
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.
Read the complete guide
Updated reference sections in this guide are in English.
What this calculator estimates
Estimate annual employee health-plan cost from premiums, employer contributions, expected medical spending, deductible and coinsurance.
How to use it
Enter Total monthly plan premium ($); Monthly employer contribution ($); Expected covered medical spending ($); Annual deductible ($); Coinsurance after deductible (%); Out-of-pocket maximum ($). Select Calculate to update the results.
How the calculation works
Employee premium cost equals the monthly premium minus the employer contribution, multiplied by 12. Estimated medical cost applies the deductible and coinsurance and caps the result at the entered out-of-pocket maximum.
Worked example: starting scenario
| Total monthly plan premium ($) | 850 |
|---|---|
| Monthly employer contribution ($) | 550 |
| Expected covered medical spending ($) | 6000 |
| Annual deductible ($) | 2000 |
| Coinsurance after deductible (%) | 20 |
| Out-of-pocket maximum ($) | 7000 |
| Estimated annual employee health-plan cost | $6,400.00 |
|---|---|
| Employee annual premium share | $3,600.00 |
| Estimated out-of-pocket medical cost | $2,800.00 |
| Estimated monthly employee cost | $533.33 |
| Employer annual contribution | $6,600.00 |
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.