Sum of expenses over the year not covered by coinsurance (things like copayments etc):

Plan 1 Name Deductible $ Coinsurance % Annual Premium $ Out of Pocket Maximum $

Plan 2 Name Deductible $ Coinsurance % Annual Premium $ Out of Pocket Maximum $

The Calculations

IF expenses > deductible
	sub_total = deductible + (coinsurance * (expenses - deductible)) + copayments
ELSE
	sub_total = expenses + copayments
	
IF sub_total > out_of_pocket_maximum
	total = out_of_pocket_maximum + annual_premium
ELSE
	total = sub_total + annual_premium