Out of Pocket Expenses Calculator

In 2007, the average American family spent $12,016* on insurance premiums. We've set up this handy Out of Pocket Expenses Calculator to help you, the informed patient/shopper, better assess your own family's true medical expenses.

Fill in the fields below to calculate your real out-of-pocket expenses based on your current or proposed insurance plan. You'll be able to see a breakdown of your true out of pocket expenses and compare them to potential discounts you could receive by paying cash up front for your medical needs.

*$12,016 figure based on employer sponsored family health insurance coverage. Amount does not include co-pays, coinsurance, or deductible amounts.

Calculate Your True Out of Pocket Expenses



For the best results, fill in the fields to the left with average amounts from the past three years and press the Calculate button to see your results.

Remember, the calculated results are only estimates and should not be used for anything other than general research.

Annual Premium =
Total Deductible Paid =
Total Copay =
Total Out of Pocket Expenses =
Total Medical Bills =