📊 Deductible Tracker

Health Insurance Deductible Tracker

Q: How do I know how much of my deductible I have met?

Check your insurance company's member portal or app — they track your deductible progress in real time. You can also call the number on the back of your insurance card. Your Explanation of Benefits (EOB) documents also show running totals.

Q: What happens when I meet my deductible?

Once you meet your deductible, your insurance starts sharing costs with you through coinsurance. For example, with 80/20 coinsurance, your plan pays 80% and you pay 20% of covered costs until you reach your out-of-pocket maximum.

Q: Does my deductible reset every year?

Yes. Your deductible resets on January 1st for most plans, or on your plan anniversary date. Any amounts you paid toward your deductible during the previous year do not carry over.

See exactly how much of your annual deductible you've met, how much you have left, and what changes the moment you hit 100%. Add your medical expenses one by one — or just enter the total.

⭐ The only free deductible progress tracker of its kind

📊 Track My Deductible Progress

Your Plan Details

Annual Deductible From your insurance card

Plan Type

Currency

Plan Year Resets Usually Jan 1

Medical Expenses Paid This Year

Add each expense that counted toward your deductible — copays usually don't count. Check your Explanation of Benefits (EOB) documents for accurate amounts.

What Happens After Deductible (optional)

Your Coinsurance % Your share after deductible

Out-of-Pocket Maximum

Deductible Progress

of your annual deductible

$025%50%75%100% ✅

Deductible

—

Paid So Far

—

Remaining

—

📋 Your Medical Expenses This Year

Understanding Your Deductible Progress

Your health insurance deductible is the amount you pay each year for covered services before your insurance plan starts sharing costs. Tracking where you are in meeting it helps you make smarter healthcare decisions throughout the year.

What Counts Toward My Deductible?

Hospital visits and stays — usually count in full
Specialist appointments — usually count (check your plan)
Lab work and imaging — usually count
Surgeries and procedures — usually count
Prescription drugs — depends on plan; many have separate drug deductibles
Regular copays — usually do NOT count toward deductible
Preventive care — usually does NOT count (covered free under ACA)

What Happens When I Meet My Deductible?

Once you hit your deductible, your insurance kicks in and starts sharing costs with you through coinsurance. If your plan has 80/20 coinsurance, your insurer pays 80% of covered costs and you pay 20% — until you reach your out-of-pocket maximum, after which they pay 100%.

Strategic Tips for Managing Your Deductible

If you're close to meeting it: Consider scheduling any non-urgent procedures before year-end to get the full benefit
If you've met it: This is the time to schedule anything you've been putting off — your costs are lower now
New year: Remember your deductible resets — plan accordingly for January procedures
Use your EOB: Your Explanation of Benefits from your insurer tracks deductible progress precisely

How do I know how much of my deductible I have met?

Check your insurance company's member portal or app — most major insurers show your deductible progress in real time. You can also call the number on the back of your insurance card and ask for your current deductible accumulator. Your Explanation of Benefits (EOB) documents show running totals after each claim.

Does my deductible reset every year?

Yes. Your deductible resets on your plan's anniversary date — for most plans, this is January 1st. Any amounts you paid toward your deductible during the previous year do not carry over. This is why it is often strategic to schedule non-urgent procedures before year-end if you are close to meeting your deductible.

Do family members share one deductible?

Family plans typically have two deductibles: an individual deductible for each family member and a family deductible that represents the combined maximum. Once any one family member meets their individual deductible, insurance starts paying for their care. Once the family deductible is met, insurance starts paying for all family members — even those who haven't met their individual deductible yet.

What is the average health insurance deductible in 2025?

According to KFF (Kaiser Family Foundation), the average deductible for employer-sponsored single coverage in 2025 is $1,886. For Marketplace plans, Bronze plan deductibles average $7,476 while Gold plans average around $1,722. High-deductible health plans (HDHPs) must have a deductible of at least $1,650 for individuals in 2025.