Health Insurance Plan Comparison Calculator
Compare the true annual cost of an HDHP with HSA versus a PPO plan. Enter premiums, deductibles, out-of-pocket maxes, and expected medical use to see which plan saves you more money.
HDHP vs PPO Total Annual Cost Formula
Total annual cost for each plan combines annual premiums with out-of-pocket medical costs, then subtracts employer HSA contributions and HSA tax savings for the HDHP scenario.
2025 HDHP minimums: $1,650 deductible (self) / $3,300 (family). HSA limits: $4,300 (self) / $8,550 (family). OOP maximums applied as upper bounds on modeled spending.
How to Use the Health Insurance Comparison Calculator
Enter your HDHP plan details
Input the monthly premium, annual deductible, and out-of-pocket maximum from your HDHP enrollment packet.
Add employer HSA contribution
Many employers seed HDHPs with $250–$1,000/year into your HSA — this reduces your effective cost.
Enter PPO plan details
Input the PPO's monthly premium, deductible, and out-of-pocket maximum for an apples-to-apples comparison.
Estimate expected annual medical costs
Think about your expected doctor visits, prescriptions, and planned procedures. Include your family's healthcare history.
Review the winner and savings
The calculator shows the net cost for each plan and how much you'd save annually with the better choice, including HSA tax savings.
Real-World Scenario Example
"HDHP: $250/mo premium, $1,650 deductible, $8,300 OOP max, employer puts $500 in HSA. PPO: $450/mo, $500 deductible, $5,000 OOP max. Expected medical: $2,000/year. Tax rate: 25%."
Inputs
Result
HDHP net cost: ~$3,075. PPO net cost: ~$5,900. HDHP saves ~$2,825/year after HSA tax advantage.
Important Disclaimer
Plan cost comparisons are estimates based on simplified cost-sharing models. Actual costs depend on your specific plan's copays, coinsurance, and network. Review your Summary of Benefits and Coverage (SBC) for exact terms.
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