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<head>
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<meta charset="UTF-8">
<meta name="viewport" content="width=device-width, initial-scale=1.0">
<title>Healthcare Cost Calculator</title>
<meta name="description" content="A customizable calculator for healthcare costs allowing users to estimate their healthcare expenses by inputting monthly premiums, deductible, coinsurance rates, out-of-pocket max, and service-specific copays or coinsurance percentages.">
<link href="https://cdn.jsdelivr.net/npm/bootstrap@5.0.2/dist/css/bootstrap.min.css" rel="stylesheet">
<style>
.plan-color-aetna {background-color: purple; color: white;}
.plan-color-uhc {background-color: red; color: white;}
.plan-color-bcbs {background-color: blue; color: white;}
</style>
<link rel="canonical" href="https://calculator.tools/app/healthcare-cost-calculator-1458/">
<meta charset="utf-8">
</head>
<body>
<div class="container my-5">
<h1 class="text-center">Healthcare Cost Calculator</h1>
<form id="healthcare-calculator">
<h2>Select Plan</h2>
<div class="row mb-3">
<div class="col plan-color-aetna">
<label><input type="radio" name="plan" value="Aetna"> Aetna</label>
</div>
<div class="col plan-color-uhc">
<label><input type="radio" name="plan" value="UHC"> UHC</label>
</div>
<div class="col plan-color-bcbs">
<label><input type="radio" name="plan" value="BCBS"> BCBS</label>
</div>
</div>
<h2>Inputs</h2>
<label>Monthly Premium ($): <input type="number" id="monthly-premium" class="form-control"></label>
<label>Deductible ($): <input type="number" id="deductible" class="form-control"></label>
<label>Coinsurance Rate (%): <input type="number" id="coinsurance-rate" class="form-control"></label>
<label>Out-of-Pocket Max ($): <input type="number" id="out-of-pocket-max" class="form-control"></label>
<h2>Service Usage Estimates</h2>
<label>Doctor Visits: <input type="number" id="doctor-visits" class="form-control"></label>
<label>Specialist Visits: <input type="number" id="specialist-visits" class="form-control"></label>
<label>Inpatient Days: <input type="number" id="inpatient-days" class="form-control"></label>
<label>Emergency Room Visits: <input type="number" id="er-visits" class="form-control"></label>
<label>Prescriptions Filled: <input type="number" id="rx-fills" class="form-control"></label>
<button type="button" id="calculate" class="btn btn-primary my-3">Calculate</button>
</form>
<h2>Results</h2>
<p id="results"></p>
<canvas id="comparisonChart" width="400" height="200"></canvas>
</div>
<script src="https://cdn.jsdelivr.net/npm/chart.js"></script>
<script src="https://ajax.googleapis.com/ajax/libs/jquery/3.6.0/jquery.min.js"></script>
<script>
$(document).ready(function() {
$('#calculate').click(function() {
// Fetch user inputs
const plan = $('input[name="plan"]:checked').val();
const monthlyPremium = parseFloat($('#monthly-premium').val()) || 0;
const deductible = parseFloat($('#deductible').val()) || 0;
const coinsuranceRate = parseFloat($('#coinsurance-rate').val()) / 100 || 0;
const oopMax = parseFloat($('#out-of-pocket-max').val()) || 0;
const doctorVisits = parseInt($('#doctor-visits').val()) || 0;
const specialistVisits = parseInt($('#specialist-visits').val()) || 0;
const inpatientDays = parseInt($('#inpatient-days').val()) || 0;
const erVisits = parseInt($('#er-visits').val()) || 0;
const rxFills = parseInt($('#rx-fills').val()) || 0;
// Example cost calculations
const annualPremium = monthlyPremium * 12;
let outOfPocketCost = deductible + ((doctorVisits + specialistVisits + inpatientDays + erVisits + rxFills) * coinsuranceRate * 100);
if (outOfPocketCost > oopMax) outOfPocketCost = oopMax;
const totalCost = annualPremium + outOfPocketCost;
// Display results
$('#results').html(`<b>Plan:</b> ${plan}<br><b>Total Annual Cost:</b> $${totalCost.toFixed(2)}`);
// Chart.js to create a comparison chart
const ctx = document.getElementById('comparisonChart').getContext('2d');
new Chart(ctx, {
type: 'bar',
data: {
labels: ['Annual Premium', 'Out-of-Pocket Cost'],
datasets: [{
label: `${plan} Total Costs`,
data: [annualPremium, outOfPocketCost],
backgroundColor: plan === 'Aetna' ? 'purple' : plan === 'UHC' ? 'red' : 'blue'
}]
},
options: {
scales: {
y: {
beginAtZero: true
}
}
}
});
});
});
</script>
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