Calculating...

$0

Estimated Annual Savings

PPO Net Cost

HDHP Net Cost

Calculating breakeven...

Calculation Assumptions

This is a 'total annual' model; it does not simulate the *timing* of costs throughout the year.
Preventative care is assumed to be 100% covered and is not included in your cost estimates.
Prescription costs are **not included** in this calculation, although they can differ significantly between plans.
HDHP plans may not cover some non-preventative care/meds until the deductible is met, which could lead to higher-than-expected costs.

Coverage Type

Premium Frequency

PPO HDHP Premium

In-Network Deductible

In-Network Out-of-Pocket Max (OOPM)

In-Network Coinsurance

Include Out-of-Network Costs?

Total Billed Medical Costs

$0 $100 $1k $10k $50k $100k

In-Network Percentage

Est. In-Network Cost

Est. Out-of-Network Cost

Estimated Marginal Tax Rate

FSA Contribution (PPO only)

Total HSA Contribution (Max: $0)

... of that, Employer's Share

... Your Share (auto-calculated)

Age 55+ (for $1,000 HSA Catch-up)