Private household worksheet
Family health insurance comparison tool
Put up to three valid household arrangements on the same annual basis. Entries stay on this page and are not submitted.
Arrangement A
Arrangement B
Arrangement C
Comparison results
Enter the same household and plan year for each arrangement, then calculate.
What the calculation shows
The modeled annual total equals household premium for twelve months, minus entered employer or HRA contributions, plus expected non-premium spending. The protection boundary replaces expected spending with the entered family in-network out-of-pocket limit. Actual rules can treat family members, prescriptions, non-covered services, and out-of-network care differently.
Confirm that every arrangement is actually available and permitted for the household. Use official eligibility results and current plan documents.
Next checks