Low Cost Year

Our Low Cost year estimates the out-of-pocket amounts you are likely to pay for a number of doctor visits (one of which is an annual checkup), modest prescription drug and lab test spending, minor dental services, premium (adjusted for the benefits of premium conversion if eligible), applicable health savings accounts in Consumer Driven and High Deductible plans. It is calculated on expenses of $1,000 or less for singles and $3,000 or less for self plus one and self family enrollments. The percent chance (% chance) refers to the likelihood (probability) that someone like you (or your family) will experience a Low Cost year based on your age, family size, and health expense category.