Private arithmetic tool · Not a quote
Total-cost boundary worksheet
Enter exact plan figures to compare annual premium floors and simple in-network protection boundaries side by side.
Plan A
Annual premium floorPremium + entered in-network OOP limit
Plan B
Annual premium floorPremium + entered in-network OOP limit
Plan C
Annual premium floorPremium + entered in-network OOP limit
This tool does not include premiums outside the entered amount, non-covered services, possible balance bills, or out-of-network exposure. It does not model utilization, separate family structures, or eligibility. Entries are not transmitted by this tool.
Before interpreting the result
Check five boundaries
- Use the household's net monthly premium from one official result set.
- Choose the individual or family in-network limit that matches the comparison.
- Keep the deductible as a separate design field; do not add it again on top of the out-of-pocket limit.
- Label non-covered and out-of-network exposure outside the simple boundary.
- Verify doctors, facilities, prescriptions, referrals, and authorization separately.
Verification links