High Cost Year

Our High Cost year estimates the out-of-pocket amounts you are likely to pay for a major hospital visit along with heavier use of primary care and specialist physicians, outpatient services, drugs, and dental care. It also includes 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 $30,000 or more. The percent chance (% chance) refers to the likelihood (probability) that someone like you (or your family) will experience a High Cost year based on your age, family size, and health expense category.