Health Insurance vs Cash Pay Calculator — See Your Savings Instantly
Free calculator comparing health insurance costs (premiums + deductibles + copays) against cash pay healthcare, Direct Primary Care, and HSA investing. The average family saves $10,000-$18,000/year.
Health Insurance vs Cash Pay Savings Calculator
This free calculator compares your total health insurance costs (monthly premiums, annual deductible, copays, and out-of-pocket maximum) against what you would actually spend paying cash for the healthcare services you use.
How It Works
Enter your current insurance plan details — monthly premium, deductible, copay amounts — and your typical annual healthcare usage (doctor visits, prescriptions, imaging, urgent care). The calculator shows your total insurance cost versus total cash pay cost, including Direct Primary Care memberships and HSA contributions.
What Most People Discover
The average family paying $2,250/month in premiums plus a $6,000 deductible spends $33,000 before insurance pays a single dollar. Cash pay alternatives for the same services often cost $3,000–$8,000 per year — a potential savings of $15,000–$25,000 annually.
All data is based on real pricing from healthcare providers, imaging centers, and pharmacies across the United States. This is a free tool with no signup required.
CancelYourPolicy.com is a free, independent resource. No products, no subscriptions, no agenda. Just the information you need to make smarter healthcare decisions.