Paano Kalkulahin si Health Insurance Cost
Ano ang Health Insurance Cost?
A health insurance cost estimator totals annual spending: premiums paid monthly plus deductible and copays, capped at the out-of-pocket maximum.
Pormula
Annual cost = Monthly premium × 12 + Deductible (paid first) + Copays; Total out-of-pocket max = Deductible + copays/coinsurance until max hit
- Premium
- Monthly insurance premium (Currency)
- Deductible
- Annual deductible (Currency)
- Copay
- Cost per visit (Currency)
- OOPMax
- Out-of-pocket maximum (Currency)
Step-by-Step na Gabay
- 1Annual cost = Premiums (×12) + Deductible + Copays
- 2Capped at out-of-pocket maximum
- 3HDHP plans are HSA-eligible for pre-tax savings
- 4Compare total cost at different usage frequency levels
Mga Nalutas na Halimbawa
Input
$480/mo premium, $1,500 deductible, $30 copay, 8 visits
Resulta
Annual ≈ $7,500
Mga madalas itanong
Should I pick lowest premium or lowest deductible?
Depends on health utilization. Low premium, high deductible = good if healthy, bad if frequent visits. High premium, low deductible = good if chronic disease. Compare total annual cost scenarios.
What's covered after I hit deductible?
Insurance pays percentage (coinsurance), you pay copay or coinsurance until out-of-pocket max hit. Then insurance pays 100%. Example: 80/20 coinsurance = insurance 80%, you 20%.
Are preventive visits covered?
Usually yes (vaccines, cancer screenings, annual physical) at no copay. Check your plan. Takes advantage of these—catch disease early, save money long-term.
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