To compare different insurance plans and determine your out-of-pocket expenses, follow these steps:

1. Input your plan details:
   • Plan Name: Enter the name or abbreviation of your insurance plan.
   • Premium ($/pay period): Specify the amount you pay for insurance coverage per pay period.
   • Pay Periods/Year: Enter the number of pay periods per year (e.g., 26 for bi-weekly pay).
2. Deductible Maximum/Limit ($): Input the maximum limit of your deductible, which is the amount you must pay before your insurance coverage starts.
3. Out-of-Pocket (OOP) Maximum/Limit ($): Enter the maximum limit of your out-of-pocket expenses. Once you reach this limit, your insurance covers all eligible expenses.
4. Co-insurance Percent (optional): If applicable, you can specify the co-insurance percentage. The default value is set at 20% if left unspecified.
5. Click the "Calculate" button to generate the results.

The calculator will analyze your inputs and display the calculated out-of-pocket amount versus your healthcare spendings. The results will be shown below.