{
  "$schema": "https://json-schema.org/draft/2020-12/schema",
  "$id": "https://askcalculators.com/ie/health-insurance/schema.json",
  "title": "Health Insurance Out-of-Pocket Calculator — Ireland inputs",
  "description": "Model a deductible-and-coinsurance contract using confirmed policy values rather than infer subsidy eligibility or national underwriting prices. EUR planning view; stated limitations apply.",
  "type": "object",
  "properties": {
    "annualPremium": {
      "title": "Annual premium before confirmed subsidy",
      "type": "number",
      "description": "Illustrative starting value; replace with your own evidence.",
      "default": 6000,
      "minimum": 0,
      "maximum": 1000000000000,
      "x-step": 0.01,
      "x-prefix": "EUR",
      "x-unit": "currency"
    },
    "confirmedSubsidy": {
      "title": "Confirmed annual premium subsidy",
      "type": "number",
      "description": "Illustrative starting value; replace with your own evidence.",
      "default": 0,
      "minimum": 0,
      "maximum": 1000000000000,
      "x-step": 0.01,
      "x-prefix": "EUR",
      "x-unit": "currency"
    },
    "eligibleSpending": {
      "title": "Eligible covered in-network charges",
      "type": "number",
      "description": "Illustrative starting value; replace with your own evidence.",
      "default": 8000,
      "minimum": 0,
      "maximum": 1000000000000,
      "x-step": 0.01,
      "x-prefix": "EUR",
      "x-unit": "currency"
    },
    "deductible": {
      "title": "Annual deductible",
      "type": "number",
      "description": "Illustrative starting value; replace with your own evidence.",
      "default": 2000,
      "minimum": 0,
      "maximum": 1000000000000,
      "x-step": 0.01,
      "x-prefix": "EUR",
      "x-unit": "currency"
    },
    "coinsurance": {
      "title": "Patient coinsurance after deductible",
      "type": "number",
      "description": "Illustrative starting value; replace with your own evidence.",
      "default": 20,
      "minimum": 0,
      "maximum": 100,
      "x-step": 0.1,
      "x-unit": "percent"
    },
    "outOfPocketMax": {
      "title": "Applicable covered out-of-pocket maximum",
      "type": "number",
      "description": "Illustrative starting value; replace with your own evidence.",
      "default": 6000,
      "minimum": 0,
      "maximum": 1000000000000,
      "x-step": 0.01,
      "x-prefix": "EUR",
      "x-unit": "currency"
    },
    "excludedSpending": {
      "title": "Excluded or non-covered spending",
      "type": "number",
      "description": "Illustrative starting value; replace with your own evidence.",
      "default": 0,
      "minimum": 0,
      "maximum": 1000000000000,
      "x-step": 0.01,
      "x-prefix": "EUR",
      "x-unit": "currency"
    }
  },
  "required": [
    "annualPremium",
    "confirmedSubsidy",
    "eligibleSpending",
    "deductible",
    "coinsurance",
    "outOfPocketMax",
    "excludedSpending"
  ],
  "additionalProperties": false,
  "x-askcalculators": {
    "version": "20.16.0",
    "calculatorUrl": "https://askcalculators.com/ie/health-insurance/",
    "queryExample": "https://askcalculators.com/ie/health-insurance/?annualPremium=6000&confirmedSubsidy=0&eligibleSpending=8000&deductible=2000&coinsurance=20&outOfPocketMax=6000&excludedSpending=0",
    "migrationStatus": "new",
    "reviewStatus": "pending",
    "pageStatus": "live",
    "workStatus": "pending",
    "formula": {
      "expression": "covered out-of-pocket = minimum(maximum, minimum(charges, deductible) + maximum(0, charges − deductible) × coinsurance).",
      "note": "Inputs are converted to canonical units before evaluating this stated formula."
    },
    "quality": {
      "availability": "live",
      "technicalReviewRecord": "/reviews/v20-ie-health-insurance.json",
      "qualifiedReview": "pending",
      "qualifiedReviewer": null,
      "qualifiedReviewDate": null,
      "formulaVersion": "20.16.0",
      "referenceCoverage": "references-listed",
      "releaseTestScope": "Catalog and regression checks are not a professional formula audit; consult release evidence.",
      "historicalMetadataDate": "",
      "historicalMetadataNotice": "The imported date is not evidence of a completed human review."
    },
    "outputs": {
      "netPremium": {
        "title": "Premium after confirmed subsidy",
        "type": "number",
        "x-format": "currency",
        "x-currency": "EUR",
        "x-digits": 2
      },
      "coveredOutOfPocket": {
        "title": "Modeled covered out-of-pocket",
        "type": "number",
        "x-format": "currency",
        "x-currency": "EUR",
        "x-digits": 2
      },
      "annualTotal": {
        "title": "Premium and modeled medical spending",
        "type": "number",
        "x-format": "currency",
        "x-currency": "EUR",
        "x-digits": 2,
        "x-primary": true
      }
    }
  }
}