What's inside
- Compare: both plans' monthly premiums for all four tiers, spousal surcharges, individual and family deductibles (embedded or aggregate), individual and family out-of-pocket maximums, coinsurance and employer HSA/HRA money; expected care costs for you, your spouse and up to 4 children
- Four options priced: everyone on your plan, everyone on your spouse's plan, you + children on yours with your spouse on theirs, and you on yours with your spouse + children on theirs: premiums, expected out of pocket, employer money, net cost, worst case and a rank
- Workings: each person's deductible and share on each plan, the tier used, so you can see why
- Sample: two parents and two children, a PPO with a $100 spousal surcharge vs an HDHP with employer HSA money: splitting the family (you + children on the PPO, spouse on the HDHP) costs $10,340 for the year, $980 less than everyone on the PPO
Checked, not just designed: all 194 formulas recalculate with zero errors, and every result was checked against an independent calculation in 19 cases (no children, 4 children, family out-of-pocket maximum reached, aggregate deductibles, ties, typos).
Works in Excel and Google Sheets. An estimate from the costs you expect, not a quote; copays and out-of-network care aren't modelled. Not advice.
Try the free version first
The free online calculator uses the same model for a quick answer. The spreadsheet adds tracking, history and the full views.