What's inside
- Compare: premium, deductible, coinsurance, out-of-pocket maximum, HSA-eligible, employer HSA contribution and HRA credit for each plan; your expected medical costs, HSA contribution, tax rate and the HSA limit (2027: $4,500 self-only, $9,000 family; 2026: $4,400 / $8,750)
- Results per plan: premiums, care costs, employer money, tax saved, net cost, rank, the worst case (out-of-pocket maximum reached) and a year with no care, plus a one-line summary of which plan wins
- Scenarios: net cost for every plan at 13 levels of care from $0 to $100,000, with the cheapest shaded
- Sample: a PPO, an HDHP with an HSA and an HMO. At $2,500 of care the HDHP costs $1,870 for the year, $1,190 less than the PPO; the PPO only wins above $18,250 of care
Checked, not just designed: all 106 formulas recalculate with zero errors, and every result was checked against an independent claim-by-claim walk through the year in 10 scenarios.
Works in Excel and Google Sheets. Estimates, not financial, tax or medical 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.