Health Insurance Plan Comparison Calculator

Compare the true annual cost of HDHP vs PPO (or any two plans). Includes HSA tax savings, deductibles, coinsurance, and out-of-pocket maximums.

Plan Details

Plan A (HDHP)

Monthly premium ($)

Annual deductible ($)

Out-of-pocket maximum ($)

Coinsurance after deductible (%)

Employer HSA contribution ($) HSA only available with HDHP. Set to $0 if none.

Your marginal tax rate (%) For HSA tax savings calculation

Plan B (PPO)

Monthly premium ($)

Annual deductible ($)

Out-of-pocket maximum ($)

Coinsurance after deductible (%)

HSA contribution

Tax rate

Expected Usage

Expected annual medical expenses ($) Before insurance; include copays, prescriptions, procedures

Plan A (HDHP)

Annual premiums—

Out-of-pocket costs—

HSA employer contribution—

HSA tax savings—

True Annual Cost—

Plan B (PPO)

Annual premiums—

Out-of-pocket costs—

HSA employer contributionN/A

HSA tax savingsN/A

True Annual Cost—

Break-Even Analysis

Annual Medical Spend	Plan A (HDHP) Cost	Plan B (PPO) Cost	Better Plan