Track deductible and out-of-pocket progress with HSA/FSA balances — 100% private.
This tracker provides estimates only. Actual coverage depends on your specific plan terms, copays, coinsurance, and network agreements. Check your insurance card or member portal for exact figures.
Health costs don't add up equally. You first pay 100% until the deductible, then a coinsurance share until you hit the out-of-pocket maximum — after which insurance covers 100%. That is why tracking progress to both thresholds matters.
Example plan: deductible $2,000, 80/20 coinsurance, out-of-pocket max $8,000. The red zone is all yours; the blue zone splits ~20/80; the green zone is fully covered once you cross the cap.
Sample plan: deductible $2,000, 80/20 coinsurance, OOP max $8,000. Watch how the split changes after each threshold.
To track your deductible: log each medical payment with its category — the tool accumulates spend toward your deductible and out-of-pocket maximum and shows exactly when cost-sharing switches to coinsurance.
FreeToolHub Health Deductible Tracker is a free browser-based tool that tracks cumulative deductible and out-of-pocket spending against your plan limits, no signup.
Track your deductible progress and know when insurance kicks in. In-network, free, private.
This tracker accumulates your out-of-pocket medical spending against your plan's limits and shows, at a glance, where you stand in the cost-sharing year. Log each claim or payment with its category, and the tool updates progress bars toward your deductible, coinsurance phase, and out-of-pocket maximum — the three thresholds that decide what your next visit costs. HSA and FSA balance fields track the tax-advantaged money available to cover it. The payoff is precision: you know that the MRI in March takes you to $2,100 of a $3,000 deductible, so April's specialist visit bills at 20% coinsurance instead of full price, and you can budget both.
Families managing chronic conditions with predictable annual procedure flows plan spending timing against thresholds. Anyone on a high-deductible plan deciding whether to schedule care in December (deductible nearly met) or January (fresh deductible) makes the call with real numbers. HSA holders reconcile qualified expenses against balance and receipts for tax documentation. Caregivers tracking a parent's claims keep the deductible picture current across providers. People disputing claims keep the running record that makes the dispute letter specific.
(1) Enter your plan's numbers: individual and family deductible, coinsurance percentage, and out-of-pocket maximum. (2) Log expenses as they occur — date, provider, amount, and category — from EOBs and receipts, using insurer-negotiated amounts rather than sticker prices. (3) Progress bars accumulate spending toward each threshold and show which cost-sharing phase you are in: full price, coinsurance, or plan-pays-100%. (4) HSA/FSA balances subtract from remaining exposure to show your true remaining cash risk. All data stays local in your browser — health information never uploads.
Three thresholds, one sequence. The deductible is what you pay fully out of pocket before the plan shares costs — a $3,000 deductible means your first $3,000 of covered in-network care is all yours. After the deductible, coinsurance sets your share of each bill — a 20% coinsurance means the plan pays 80% — and you stay in that phase until cumulative spending reaches the out-of-pocket maximum, at which point the plan pays 100% of covered in-network care for the rest of the year. The OOP maximum always counts deductible spending plus coinsurance plus copays; it does not count premiums or usually out-of-network care. 2026 individual marketplace maximums sit near $9,800. Two planning consequences follow: late-year care is often dramatically cheaper for someone near their maximum, and families should note the embedded structure — individual deductibles inside a family plan mean one member can satisfy their own threshold before the family one is met. This tracker's phase bars exist precisely to make that sequence visible.
Cost-sharing shifts to coinsurance or flat copays — you no longer pay full price for covered in-network care. Track cumulative spending to know exactly when the switch happens mid-year.
Usually not — copays typically apply after or outside the deductible, while coinsurance and full negotiated rates for covered services do count. Your plan's explanation of benefits lists which payments accumulate.
The deductible is what you pay before cost-sharing starts; the out-of-pocket maximum caps your total annual in-network spend, after which the plan pays 100%. In 2026, individual marketplace OOP maximums are around $9,800.
The reverse: HDHP/HSA plans carry high deductibles — at least $1,700 individual in 2026 — in exchange for lower premiums and pre-tax savings you control. This tracker pairs with either structure.
Enter your plan's individual deductible (e.g., $3,000) and out-of-pocket maximum (e.g., $7,000). Log each medical expense—copays, lab work, prescriptions—and the tracker shows your remaining deductible balance and the exact dollar amount at which coinsurance or full coverage begins.
No. All entries persist in your browser's IndexedDB storage on your local device. No health information is transmitted to any server, making it HIPAA-safe by design. Export your data as a CSV anytime for tax deduction records or HSA reimbursement claims.
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