Medicare vs. Group Coverage Calculator

Compare your estimated annual out-of-pocket costs

Your Current Group Health Plan

Enter your current employer-sponsored plan details to compare.

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This is what you pay each month from your paycheck — not what your employer pays.

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The amount you must pay for covered care each year before your insurance begins to share costs.

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The most you'll have to pay for covered services in a plan year. After this, insurance pays 100%.

This tool is for educational purposes only and does not constitute insurance advice. Individual medical needs, prescription drug requirements, and provider networks can significantly impact both costs and coverage decisions. Medicare costs, plan availability, and pricing vary by location and individual circumstances, and estimates may be based on national averages. Results are not a guarantee of eligibility, benefits, or final costs. This tool is not affiliated with or endorsed by any employer, Centers for Medicare & Medicaid Services (CMS), or any insurance carrier. Consult a licensed Medicare advisor for personalized guidance.