Insurance / Insurance Planning
Insurance Deductible Break-Even Calculator
High Deductible Plan
Low Deductible Plan
Time period to compare plans
About Deductible Break-Even Analysis
Formula: Break-even Years = Deductible Difference / Annual Premium Difference
Annual Premium Difference = Low Deductible Premium - High Deductible Premium
Example: If high deductible is $2,000 ($1,200/year premium) and low deductible is $500 ($1,800/year premium):
- Annual premium savings with high deductible: $600
- Additional deductible risk: $1,500
- Break-even: 2.5 years without a claim
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