Health Plan Comparison Calculator

This interactive calculator compares the net annual financial impact of choosing a Standard health plan versus a High Deductible Health Plan (HDHP) with an HSA by factoring in premiums, tax savings, and user-estimated healthcare usage. The dynamic break-even graph visualizes the total cost of each plan across a continuous spectrum of medical expenses, allowing users to instantly see the differences between plans

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Plan Details

Standard Plan (e.g., PPO)

HDHP (with HSA)

Estimated Annual Usage

$2,500
$300

Net Estimated Annual Cost

Standard Plan
$0
HDHP with HSA
$0

Cost Breakdown

Standard Plan HDHP
Post-Tax Premium
Out-of-Pocket Costs
HSA Financial Benefit
Net Total Cost (The Bottom Line)

Cost Function & Break-Even Analysis

2026 IRS Guidelines (HDHP/HSA)

Individual Coverage
  • Min HDHP Deductible: $1,700
  • Max HDHP Out-of-Pocket: $8,500
  • Max Total HSA Contrib: $4,400
Family Coverage
  • Min HDHP Deductible: $3,400
  • Max HDHP Out-of-Pocket: $17,000
  • Max Total HSA Contrib: $8,750

*Note: The calculator automatically limits your HDHP inputs to comply with these federal bounds based on your selected coverage tier.

Simplifying Assumptions

  • Pre-Tax Premiums: Assumes premiums for both plans are paid via payroll deduction before taxes, reducing your actual cost by your stated tax rate.
  • HSA Tax Savings: Assumes your employee HSA contributions are made pre-tax (or deducted on your return), lowering your cost by the generated tax savings. Employer contributions are counted as a 100% direct cost offset.
  • Standard plan logic assumes a blended "effective coinsurance rate" to simulate fixed copays before hitting the OOP Maximum.
  • Medical and Prescription deductibles are assumed to be combined for calculation simplicity.
  • Calculations assume 100% in-network medical care.
For education and illustration only — not advice. This calculator is provided "as is" with no warranty. Results are estimates based on your inputs and simplifying assumptions; they are not financial, investment, tax, or legal advice and do not create any advisory or client relationship. Do not rely on this tool as the basis for any financial decision. Consult a qualified, licensed professional regarding your circumstances. Full Disclaimer & Terms.