Sources verified · May 18, 2026

Compare estimated health plan cost.

Two plans, side-by-side, at four annual-spend levels — your own additional covered spend plus low, medium, and high. We surface the crossover so you can see where the lower-cost result changes. Sources cited.

Plan A

The HSA-eligible high-deductible plan (HDHP)

Anything that helps you tell the two apart on the result.

Your share after the deductible. 'Plan pays 80%' = 20% coinsurance.

Copay and Rx tier details

Simplified plan-level setting; real plans can vary by service.

In-network user cost per visit or fill.

In-network user cost per visit or fill.

In-network user cost per visit or fill.

In-network user cost per visit or fill.

In-network user cost per visit or fill.

In-network user cost per visit or fill.

In-network user cost per visit or fill.

In-network user cost per visit or fill.

Plan B

The lower-deductible PPO (or alternative plan)

Anything that helps you tell the two apart on the result.

Your share after the deductible. 'Plan pays 80%' = 20% coinsurance.

Copay and Rx tier details

Simplified plan-level setting; real plans can vary by service.

In-network user cost per visit or fill.

In-network user cost per visit or fill.

In-network user cost per visit or fill.

In-network user cost per visit or fill.

In-network user cost per visit or fill.

In-network user cost per visit or fill.

In-network user cost per visit or fill.

In-network user cost per visit or fill.

HSA contribution — Plan A only (skip if Plan A isn't HSA-eligible)

Pre-tax through payroll. 2026 IRS limit: $4,400 self-only / $8,750 family.

Counts against the same IRS cap as your own.

HSA eligibility and catch-up details

If not eligible, HSA-linked tax savings and employer HSA cash are excluded.

Adds the statutory $1,000 owner catch-up amount.

Shown as a warning; not added unless separate spouse HSA ownership is modeled.

Your tax setup — used for the HSA tax-savings math

Used to find your marginal federal + state + FICA rate for the HSA tax-savings math.

Additional covered medical spend

Covered services only, excluding premiums and excluding any visits or prescriptions already entered above. We also show low / medium / high preset scenarios.

Expected visits and prescriptions
No ads or lead-gen

New here? See it work with example numbers:

What this tool does and doesn’t do

  • Does: HSA-eligible HDHP vs. PPO side-by-side comparison using premium + deductible + out-of-pocket max + coinsurance inputs you supply. Optional details add copays, Rx tiers, expected visit/Rx counts, HSA eligibility status, owner age-55 catch-up, and family deductible assumption context. Three preset spend scenarios (low / medium / high) plus your own additional covered spend. Surfaces the crossover annual spend and HSA contribution-room against the 2026 HSA limit context.
  • Doesn’t yet: in-network vs. out-of-network branching, service-specific accumulator rules, prior-authorization probabilities, true member-level embedded family deductible math, separate spouse-owned HSA contribution-room math, FSA-vs-HSA election trade-offs, COBRA-bridge or marketplace ACA cost comparisons, partial-year enrollment, employer-portal wellness-credit rules, or HDHP-disqualifying coverage interactions beyond the eligibility status entered.
  • This is a planning estimate. It is not health-insurance advice and not tax advice. Confirm important decisions with your benefits administrator or a qualified health-insurance professional during open enrollment.