
Understanding American Health Insurance Plans
Four numbers determine the true cost of a health plan. Once you can read them, comparing options becomes straightforward.
Tool · Planned
Compare health plans on premium, deductible, out-of-pocket maximum, and network before you enrol.
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How it works
Every US360 tool is transparent about its inputs, its outputs, and the assumptions in between.
Enter the plans on offer.
Estimate your expected use for the year.
Compare likely and worst-case annual cost, not just the monthly premium.
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Four numbers determine the true cost of a health plan. Once you can read them, comparing options becomes straightforward.

New patient appointments can be booked weeks out. Establishing care early is the difference between a clinic visit and an emergency room bill.
How insurance works, how to choose a plan, and how to find care without overpaying.
Compare health plans on premium, deductible, out-of-pocket maximum, and network before you enrol.
Worksheet
Compare premiums, deductibles, out-of-pocket maximums, and networks side by side before you enrol.
Updated May 14, 2026