Health Care Costs

Estimating your health care costs and determining what you can afford is the first step to purchasing a health insurance policy.

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Estimating your annual health care costs

Although it is impossible to know your future health care costs, estimating your annual health care costs by reviewing your past bills is a good place to start.

Totaling your health insurance costs

Your health insurance premiums, your deductible, and your co-payments and co-insurance are all part of your health insurance costs.

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Health care costs versus health insurance costs

Assessing your health insurance policy involves comparing your annual health care costs with coverage versus your annual health care costs without coverage.

If the total of your health care costs with insurance is a lot more than what you would pay without insurance, you're buying too much coverage.

If your health care costs without insurance are a lot higher, you might consider additional coverage.



Our form makes this evaluation easier: health care costs

Getting more affordable health care policy

There are ways to lower your monthly health insurance costs such as paying a higher deductible or forgoing vision or dental coverage.

Read our affordable health insurance section for more advice.

Find out how to get online health insurance quotes or learn about other types of health plans.


Next: Which type of health insurance plan is the best fit for you?

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