Insurance Deductible Break-Even Calculator

How the insurance deductible break-even calculator works

Break-even years = (higher deductible − lower deductible) ÷ annual premium savings.

Example

Using the default inputs (Low deductible: $500; High deductible: $1,500; Premium with low deductible / yr: $1,800; Premium with high deductible / yr: $1,500), the calculator returns break-even claim-free years of 3.33 years. Change any field above to see your own result and charts update instantly.

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