Developer Builds Simulator to Compare Insurance Plans Using Shared Spending Paths

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A developer has created a browser-based simulator to help individuals compare high-deductible, low-premium insurance plans against low-deductible alternatives by running both plans through identical randomly generated annual spending scenarios. The tool uses a log-normal statistical model with Box-Muller transforms to simulate realistic medical spending variability across multiple years and thousands of runs. Results include mean, median, percentile breakdowns, and the share of simulations where each plan proves cheaper, giving users a distribution rather than a single break-even figure. The simulator is intended for users comfortable with spreadsheets or basic JavaScript who want to reason about financial uncertainty, not replace professional insurance advice. It does not model copays, network pricing, family deductibles, or disease-rate databases, and its outputs depend entirely on the assumptions the user provides.

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