Deductible vs premium break-even API

Compare a low vs high deductible: annual premium saving, added out-of-pocket exposure, the break-even years (extra deductible ÷ premium saving), and the expected annual net benefit at a given claim probability with a recommendation. Deterministic decision math. Answers 'is a higher deductible worth it', 'deductible break-even', 'premium savings vs deductible', 'should I raise my deductible'.

Price$0.01per request

MethodPOST

Route/v1/calc/ins-deductible-vs-premium

StatusLive

MIME typeapplication/json

Rate limit120/minute

CacheNo cache

calcinsurancedeductiblepremiumbreak-evendecisiontrade-offactuarial

API URLhttps://x402.hexl.dev/v1/calc/ins-deductible-vs-premium

Integration docs

Example request

{
  "lowDeductible": 500,
  "highDeductible": 2000,
  "lowPremium": 1400,
  "highPremium": 1100,
  "claimProbability": 0.1
}

Example response

{
  "method": "deductible vs premium break-even",
  "annualPremiumSaving": 300,
  "extraDeductibleExposure": 1500,
  "breakEvenYears": 5,
  "expectedExtraCost": 150,
  "expectedAnnualNetBenefit": 150,
  "recommendation": "choose high deductible"
}

Input schema

{
  "type": "object",
  "required": [
    "lowDeductible",
    "highDeductible",
    "lowPremium",
    "highPremium"
  ],
  "properties": {
    "lowDeductible": {
      "type": "number",
      "examples": [
        500
      ]
    },
    "highDeductible": {
      "type": "number",
      "examples": [
        2000
      ]
    },
    "lowPremium": {
      "type": "number",
      "examples": [
        1400
      ]
    },
    "highPremium": {
      "type": "number",
      "examples": [
        1100
      ]
    },
    "claimProbability": {
      "type": "number",
      "examples": [
        0.1
      ],
      "description": "default 0.1"
    }
  }
}

Output schema

{
  "type": "object",
  "additionalProperties": true
}