Simplify open enrollment, job transitions, or major life events with this digital health insurance calculator and comparison tool — a powerful, easy-to-use Google Sheets template that helps individuals, couples, and families review coverage options side by side.
By projecting annual costs based on your real medical spending, this tool takes the guesswork out of comparing plans so you can choose the one that fits both your health and your budget.
🛡️ Works-As-Promised Guarantee
We stand behind every spreadsheet we create. If something isn’t working as intended, just reach out and we’ll quickly correct the issue for you — free of charge.
✅ Included Features
Plan Comparison & Cost Calculator
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Side-by-side plan details with total cost projections
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Customizable “goal” focus: lowest monthly premium or lowest annual spend
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Dual-employment support — compare two employer plans at the same time
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Annual medical spending projection based on your inputs
Support & Guidance
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Step-by-step Quick Start with editable fields and built-in assumptions
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Troubleshooting guide (PDF) for setup issues
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Tip guide (PDF) with practical advice to get the most accurate results
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YouTube tutorial walkthrough (Excel shown, but Google Sheets functions the same automatically)
🔑 Compatibility
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Google Sheets: Works in any browser and in the free Google Sheets app on phone and tablet.
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Exporting or converting to Excel is not supported. Many formulas and charts are designed specifically for Google Sheets.
⚡ Instant Digital Access
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Add to cart and complete checkout.
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Download instantly.
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Open your files.
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Start comparing plans today — no shipping, no waiting.
📦 What’s Included
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Health Insurance Cost Comparison Tool (PDF link to create your own Google Sheets copy)
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Tip Guide – PDF
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Troubleshooting Guide – PDF
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Calculator Assumptions – PDF
🧮 Key Calculator Assumptions
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Only 1 option per job can be set as “employee only.”
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“Healthcare Spend As of Today” = spending toward deductible (1/1 to 10/1). Earlier use requires estimating.
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Co-pays are only considered after deductible is reached.
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Fixed-dollar co-pays are not included; only percentage-based co-pays are supported.
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Each plan must have a co-pay percentage greater than 0%.
⚠️ Disclaimer & License
This spreadsheet is for informational purposes only and is not financial advice. Results may vary based on your plan and situation.
This spreadsheet is licensed for personal use by the purchaser. Redistribution, resale, or offering this as a digital product is strictly prohibited.
© 2025 Practical Sheets Co. All rights reserved.