Coverage Level
Salary Band
Filing Status
Tax Rate
Anticipated Care

The Basics

What level of medical coverage do you want in 2025?

Find out whom you can cover under your MSK medical plan.

Including you, how many total family members will be covered?

What will your annual salary band be in 2025?

If your salary band changes during the year, your medical premiums will change dynamically.

    Your Tax Bracket

    Federal income tax brackets: To help with estimation of tax savings, please choose your filing status and tax bracket. If you're not sure of your filing status or tax bracket, you can select the “I don’t know” option in the "Please select a filing status" dropdown below and the Modeler will assume you are in the 22% tax bracket. Then click "Next" to continue to the next question.

    What will your federal income-tax filing status be in 2025?

    What is your federal income tax bracket?

    Note: The tax brackets shown above are for 2024, because the IRS does not typically publish tax brackets for the coming year until late October or November.

    Your Anticipated Expenses for 2025

    How many times will you see the doctor and get prescriptions filled?

    Pick one of these scenarios, or choose Model Your Own to enter anticipated care in 2025 for everyone you cover. The results will reflect 2025 in-network (negotiated and discounted) rates and plan features for all your medical care. Please note that the average estimated costs used for each item reflect the discounted and negotiated in-network expenses before adjusting for plan deductibles, copays/coinsurance, and out-of-pocket maximums. On the next screen, you will see your estimated expenses after coordinating with plan provisions.

    We'll assume each covered person has:
    • An annual physical (Preventive Care office visit)
    • One Primary Care Physician office visit
    • One Specialist office visit
    • One 30-day retail fill of a Generic drug
    • One 30-day retail fill of a Preferred Brand Name drug
    We'll assume each covered person has:
    • An annual physical (Preventive Care office visit)
    • Three Primary Care Physician office visits
    • Three Specialist office visits
    • Three 30-day retail fills of a Generic drug
    • Two 30-day retail fills of a Preferred Brand Name drug
    And one covered person has:
    • One Emergency Room visit
    We'll assume each covered person has:
    • An annual physical (Preventive Care office visit)
    • Six Primary Care Physician office visits
    • Eight Specialist office visits
    • Six 30-day retail fills of a Generic drug
    • Five 30-day retail fills of a Preferred Brand Name drug
    And one covered person has:
    • One Emergency Room visit
    • One Inpatient Hospital stay
    Enter the anticipated number of doctor visits, prescriptions, and more for everyone you cover.

    Model Your Own

    For each category below, sum up the total for everyone you cover. (For example, if you cover yourself and 1 Dependent, and you each have 1 Specialist Office Visit, enter 2.)

    TIP: Hover over any item listed for more information.

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