Voyageur Health Advisory
Saginaw — Actuarial Value Calculator
Plan year2026
CSR
Desired metal tier
Deductible
$
Out-of-pocket max
$
Default coinsurance
%
Service
Ded
Coin
CoinsCopayA/D
Emergency Room
%
$
Inpatient
%
$
Primary Care
%
$
Specialist
%
$
Mental / Behavioral Health
%
$
Imaging
%
$
Speech Therapy
%
$
Occupational / Physical Therapy
%
$
Preventive100% covered (ACA — not editable)
Laboratory
%
$
X-rays & Diagnostic Imaging
%
$
Skilled Nursing Facility
%
$
Outpatient Facility
%
$
Outpatient Professional
%
$
Service
Ded
Coin
CoinsCopayA/D
Generic Drugs
%
$
Preferred Brand
%
$
Non-Preferred Brand
%
$
Specialty
%
$
Ded = subject to deductible · Coin = subject to coinsurance · A/D = copay applies only after deductible
Actuarial Value
—%
Bronze▸ SilverGoldPlatinum
Run batches of designs through the official CMS workbook and collect its snapshots.
Keep your designs, compare saved plans side by side, and export your plan library.
Unofficial replica of the CMS Final 2026 AV Calculator · data version 2026_1d
Reach your target
Silver · 68–72%Solving…
Shaded band = target tier's de minimis window · dashed line = current deductible
Take your plan design further
Design and evaluate plans using the 2027 continuance tables.
Discuss your design, explore changes, and apply suggestions alongside the calculator.
Run batches of designs through the official CMS workbook and collect its snapshots.