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Calculator
Health Insurance Premium Calculator
Project your premiums with medical inflation, product hikes, and age-band jumps.
Policy Details
Enter your current plan details
We support up to 6 members for a quick projection.
Annual + Product + Age Milestone
How your premium grows
Base medical inflation applied every year.
Typical repricing when insurers revise the product.
Applied per member when they cross 25, 30, 35, 40, etc.
Plan horizon (default 20 years).
Projection Summary
See how premiums may move with age milestones and product revisions.
Year 1 Premium
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* Premium after 5 Years (conditions apply)
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Terms and Conditions
This premium increase calculator is for educational purposes only. Your actual premium changes depend entirely on the health insurance company and product you choose.
Year-by-Year Premiums
Includes annual inflation, 3-year product jumps, and age-band hikes.
Enter details and run the calculator.
We will estimate premiums for every year in your horizon.
How this works
I created this calculator so you can see how health insurance premiums may rise and plan savings to keep your policy as you age. It is for educational purposes only and should not be used to make a purchase decision. Premiums can vary by insurer and product, and may end up higher or lower than this projection. We add your chosen annual increase every year. Every third year we apply the product increase. From age 25 onward, if a member crosses an age that is a multiple of 5 (for example, 25 to 26, 30 to 31), we apply your chosen milestone hike per member for that year (compounded going forward).