Average Cost Year

Your costs for health care include more than just insurance premiums. Our "Estimated average yearly costs for families like yours" also includes what you have to pay for the part of costs not covered by your plan for doctors, hospital, prescriptions, and other services. We calculate "average" costs for someone like you to compare plans on an estimate of total out-of-pocket costs, not just premiums. It also includes premium (adjusted for the benefits of premium conversion if eligible), and applicable health savings accounts in Consumer Driven and High Deductible plans.

Membership dues for bargaining unit plans are not included.