Deductible Cost Calculator
Ignores coinsurance after deductible—useful for first-dollar intuition on a single claim.
Out-of-pocket after deductible
Simplified: you pay the lesser of claim and deductible; insurer pays the remainder (coinsurance ignored).
How this is calculated
You pay min(claim, deductible remaining). Insurer pays max(0, claim − your share) in this simplified model.
When to use it
- Health plan math examples.
- Auto claims before coinsurance.
Frequently asked questions
Is this legal advice?
No—policy language governs actual payments.
Coinsurance?
Not modeled; extend mentally after deductible is met.
