Your plans and your year in, one total per plan out
A few minutes with your benefits guide. No billed-spend slider, no guessing.
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Type in each plan
Premium per paycheck, deductible, copays, coinsurance, out-of-pocket max and employer HSA money, straight from the Summary of Benefits.
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Add your household's year
Named prescriptions with their tier, PCP and specialist visits, urgent care, a planned surgery or a baby, for each person.
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See the total, then track it
Best, expected and worst-case year for each plan after HSA tax savings. After you enroll, log claims and watch your deductible.
Every bill runs through your plan's real rules
Copays before or after the deductible, embedded or aggregate family deductibles, coinsurance, then the out-of-pocket cap, in date order, the way your insurer counts them.
| When | Care | Billed | Rule applied | You pay |
|---|---|---|---|---|
| Jan 14 | Urgent care | $180 | Deductible, $180 of $3,500 | $180 |
| Mar 3 | Sick visit | $160 | Deductible, $340 of $3,500 | $160 |
| Apr–Jul | 9 more items | $1,260 | Deductible, $1,600 of $3,500 | $1,260 |
| Aug 20 | Knee MRI | $2,400 | Deductible met with $1,900, then $500 at 20% | $2,000 |
| Sep 3 | Urgent care | $180 | Coinsurance, 20% | $36 |
On an embedded plan with a $1,750 individual deductible, Dana's MRI would cost $1,880 instead. PlanMath asks which one your plan uses.
2027 IRS numbers built in
- HSA limit, self-only / family$4,500 / $9,000
- Catch-up at 55 and over+$1,000
- HDHP minimum deductible$1,750 / $3,500
- HDHP out-of-pocket cap$8,700 / $17,400
- California and New Jerseyno state HSA saving
From IRS Rev. Proc. 2026-24. Your own contribution is capped at the limit minus your employer's money. Federal brackets: the official 2026 table until the IRS publishes 2027's, then switched automatically.
PlanMath
$4 a month
Everything included. The first 7 days free. Cancel any time.
- As many plans and scenarios as you need
- Best, expected and worst case, with the break-even
- Claims tracker with deductible emails all year
- Next fall's comparison started from your real claims
Free forever: two plans, one scenario, the full-year total.
Before you start
Is this insurance advice?
No. PlanMath is an educational calculator. It does the math on the numbers you enter from your plans' Summary of Benefits and Coverage. Always check your plan documents and your doctors' networks.
Is my health data shared?
No. Your plans and claims stay in your account, we never sell them, and you can delete everything in one click.
What does the free version do?
Two plans, one scenario, the full-year total in a normal and a worst-case year. Paid adds more plans and scenarios, the best case and break-even, and the all-year deductible tracker.
Do you handle family deductibles?
Yes. You choose embedded or aggregate for each plan, and the engine applies each person's costs the way that plan does.