We believe this is the best Actuarial Value Calculator available for Administrator, Broker, and Employer use.

This tool is designed for ease of use with tracking and cataloging of all groups, plan design, and values.  Brokers and others can use this to create a library of their entire book of business, help employers design an array of plans, benchmark plan values and generally gain advantage in the marketplace.

With amazing transparency, the black box details are revealed showing the value of deductible, coinsurance, and copays for each plan, and for each line of medical coverage.  Our calculator is engineered to avoid the “counterintuitive results” that plague the federal calculator.  (This means our calculator moves in the right direction with any change in plan design.  Sometimes the federal calculator gives counterintuitive results as when an increase in copay raises the AV score.)

Further, skinny plans are accurately calculated as categories of medical coverage are eliminated, another problem suffered by the federal calculator.

Do Deductible and Coinsurance Apply?

Deductible and Coinsurance application can be chosen for all 33 rows of medical expense.


After building a plan, a similar plan can be built by cloning the first plan and making a minor change.

Summary Results of AV Score

This table summarizes the components of Actuarial Value by the major categories of Deductible, Coinsurance, and Copays. Also, the value of any HRA is shown as well.

Plan ID

Plan ID, Description of Plan, Group ID, all easily cataloged and identified on the output.

Full Details with Print and Export Functionality

Our calculator shows line by line details of the entire AV Score calculation including values of deductible, coinsurance, and copays by category of coverage.  Even number of copays per 1,000 members are shown for each line of medical expense.  This is the only calculator available with such transparency.

Easy download and print utilities included.