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Tool

Membership Cost Worksheet

A membership fee is paid in addition to most other healthcare costs. Enter your own numbers to see the whole year in one figure.

The fee a practice has quoted you. Use the amount for everyone in your household who would join.

Membership fee: billing period

What you pay for coverage, after any employer contribution or subsidy.

Health insurance premium: billing period

Your own estimate of deductibles, copays, and coinsurance for the year. Last year's spending is a reasonable starting point.

per year

Anything else you expect to pay for: prescriptions, dental, vision, physical therapy, services your plan does not cover.

per year

Your estimated annual total

$0

About $0 per month, based only on the numbers you entered.

Membership fee
$0
Insurance premiums
$0
Out-of-pocket costs
$0
Other healthcare expenses
$0
Total without the membership fee
$0

This is arithmetic on your own estimates. It is not a quote, a prediction of your costs, or financial advice. Nothing you type here is saved or sent anywhere.

How to read your result

The total is only as good as the estimates you enter. It does not account for tax treatment, employer contributions, changes in how much care you use, or unexpected illness. Do not enter medical details here; the worksheet only needs dollar amounts.

For background, read how membership fees are structured and how to decide whether a membership is worth it.