The U.S. health insurance is like a maze. Projecting your next year’s health needs already invites a ton of anxiety. Then variables such as deductibles, out-of-pocket maxes, coinsurance levels and others work together in such an intricate system that it is never a straight forward A+B-C*D%. It could easily be hours, or even days, of post-dinner homework running the numbers. This year, however, I developed my own tool, a spreadsheet, to help me and my family do the math magic. So from this year onward, the math part of our health insurance shopping will be no more than a few minutes, even comparing a dozen scenarios. I also validated our pick last year using this spreadsheet with hospital bills for having a baby and we saved $3-4,000 compared with all three other plans.