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Deductible vs Premium Calculator

See the breakeven — when does a higher deductible actually save you money?

Premium with $500 deductible (annual)

Premium with $2500 deductible (annual)

Low Deductible $

High Deductible $

Years to Project

Probability of a claim per year (%)

Expected savings over 5 years (high deductible route)

$2,000

Premium savings$3,500

Expected extra paid in claims$1,500

Annual premium gap$700

If probability × deductible-difference exceeds annual premium savings, the lower deductible wins. Use the worst-case scenario you can comfortably absorb.