Basics
Deductible vs. premium: which one should you care about?
The most common mistake we see is choosing a plan by its monthly price alone. The premium is only part of what you'll spend in a year.
Add it up the honest way
Your realistic yearly cost is twelve months of premiums plus what you expect to pay for care. In a bad year, that second number can reach your out-of-pocket max.
| Plan A | Plan B | |
|---|---|---|
| Monthly premium | $350 | $500 |
| Yearly premiums | $4,200 | $6,000 |
| Out-of-pocket max | $9,000 | $3,000 |
| Worst-case year | $13,200 | $9,000 |
Illustrative numbers only.
Plan A wins in a quiet year. Plan B wins if anything big happens. Neither is wrong. The right choice depends on your health, your family and how much risk you're comfortable with.
Want us to run this math on your actual options? Book a free call.
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