Worksheet

The Self-Employed Healthcare Cost Audit

Most people know their premium. Almost nobody knows their total. Fill in what you can — estimates are fine — and the math happens as you type.

Rodolfo Chavez · Licensed Life & Health Insurance Agent · Fairview Solutions Incorporated

PART 1

What you pay no matter what

This happens whether you see a doctor once or never.

Monthly premiumYours, plus anyone on the plan$

Premium, per year$0

PART 2

Below your deductible, this is all yours. Count last year if this year isn't over.

Doctor visitsHow many, times what each one cost$

PrescriptionsEverything you filled, for the year$

Lab work & imagingBloodwork, X-rays, scans$

Urgent care or ERThe 2am kind$

Dental, vision, therapyThe stuff that's usually separate$

Out of pocket, per year$0

PART 3

Until you cross this, your plan is mostly watching.

Annual deductibleLook for "deductible" on your insurance card or member portal$

Your real annual healthcare cost

Premium plus everything you paid out of pocket.

You paid

Your plan paid

Want a second opinion on those numbers?

Fifteen minutes, no pitch, and I'll tell you honestly if you're already in the right place.