Health

Chronic Illness Annual Cost Calculator

The financial burden of chronic illness goes far beyond copays. This calculator adds up medications, specialist visits, lost work days, adaptive equipment, mental health support, and lifestyle adjustments to show the true annual cost.

Insurance & Medical Visits

Insurance type

Monthly premium out-of-pocket ($)

Specialist visits / year

Specialist copay / visit ($)

Lab / imaging visits / year

Lab / imaging cost per visit ($)

Medications & Supplies

Monthly Rx out-of-pocket ($)

Annual medical supplies ($)

Monthly OTC / supplements ($)

Work Impact

Annual salary ($)

Sick / medical days lost / year

Productivity reduction (%)

Additional Costs

Mental health visits / year

Mental health copay / visit ($)

Medical transport / year ($)

Special diet extra cost / mo ($)

Annual True Cost of Illness

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updates as you type

Full Cost Breakdown

Data sources & methodology: Insurance premium and copay defaults based on KFF Employer Health Benefits Survey 2023. Productivity loss methodology from Journal of Occupational and Environmental Medicine. All figures are estimates for informational purposes only. Full disclaimer →

🔒 Calculations run 100% in your browser — we never see your numbers 📊 Built on primary-source data (see sources above) 🔄 Reviewed 2026 · methodology · disclaimer

Annual True Cost of Illness

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