Consumer Healthcare Financial Intelligence & Patient Advocacy
Health Insurance Deductible & OOPM Estimator
Visualize how deductibles, coinsurance (80/20 split), and out-of-pocket maximum caps divide your hospital and surgery bills.
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Strategic Context & How To Use:
Health insurance plans require you to pay 100% of costs until you meet your annual Deductible, after which you share costs via Coinsurance (e.g., 20% member / 80% plan) until reaching your Out-of-Pocket Maximum (OOPM), where insurance covers 100%. For example, on a $14,000 surgery with a $2,000 deductible, 20% coinsurance, and $6,000 OOPM, you pay $2,000 (deductible) + $2,400 (coinsurance) = $4,400 total, and insurance pays the remaining $9,600.
Insurance Plan Parameters
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Payment Responsibility Split
Total Bill: $14,500.00
You Pay (Out-of-Pocket):
$4,220.00
Insurance Pays:
$10,280.00
Cost Allocation Waterfall
1. Remaining Deductible (100% Member)
$2,000 Plan Cap - $350 YTD
$1,650.00
2. Coinsurance Share (20% Member / 80% Plan)
Applied to remaining $12,850.00
$2,570.00
3. 100% Free Insurance Coverage (Post-OOPM)
Remaining balance absorbed by insurer
$10,280.00
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