Family Health + Dental + Vision Cost Estimator (2025)
Estimate your total monthly and annual insurance costs for a complete family coverage bundle, including health, dental, and vision plans.
The Complete Care Cost Estimator uses U.S. insurance market data from Healthcare.gov, Delta Dental, VSP, EyeMed, and major private carriers to calculate a family's total insurance cost for health, dental, and vision plans. It models monthly and annual expenses, including premiums and average out-of-pocket costs, and shows estimated bundle savings.
| Coverage | Avg. Monthly Cost | Annual Cost | Avg. Bundle Savings |
|---|---|---|---|
| Health | $800–$1,200 | $10,000–$14,000 | - |
| Dental | $50–$70 | $700–$900 | - |
| Vision | $20–$30 | $250–$400 | - |
| Bundle (Complete Care) | $1,050–$1,300 | $13,000–$15,600 | 10–18% |
(Data compiled from Healthcare.gov, Delta Dental, VSP, EyeMed, and major private carriers.)
| Plan Tier | Health | Dental | Vision | Total Annual Cost |
|---|---|---|---|---|
| Bronze | $750 | $45 | $18 | $9,500 |
| Silver | $900 | $55 | $22 | $11,500 |
| Gold | $1,050 | $65 | $25 | $13,700 |
| Platinum | $1,250 | $75 | $30 | $15,900 |
Family Profile
- • Family of 4 (Ages 40, 38, 12, 8)
- • State: Texas
- • Plan: Gold Health, Standard Dental + Vision
Cost Breakdown
- • Total Annual Premium: $13,980
- • Out-of-Pocket Expenses: $1,000–$1,200
- • Estimated Savings from Bundling: $1,650/year
What's the average cost of complete family coverage in the US?
Typically between $12,000–$15,000/year, depending on plan tier and network.
Do insurers offer bundle discounts?
Yes, most major insurers (Anthem, Aetna, Delta, VSP) offer 10–20% savings when bundling.
Can I buy dental and vision separately from health insurance?
Absolutely. But bundled plans often cost less overall.
Are out-of-pocket expenses included in this calculator?
Yes, estimates include both premiums and typical co-pays/deductibles.