Health Plan Analyzer
1. Plan Details
PPO
HDHP
Out-of-Network (OON)
2. Expected Annual Usage
3. Your Contributions
HSA (Health Savings Account)
Calculating...
$0
Estimated Annual Savings
PPO Net Cost
$0HDHP Net Cost
$0Calculating breakeven...
Cost vs. Billed Medical Spend
Cost Breakdown
| Cost Component | PPO Plan | HDHP Plan |
|---|---|---|
| Annual Premiums | $0 | $0 |
| Your Out-of-Pocket (OOP) Share | $0 | $0 |
| Deductible Paid | $0 | $0 |
| Coinsurance Paid | $0 | $0 |
| Total Annual Cost | $0 | $0 |
| (-) FSA Tax Savings | $0 | N/A |
| (-) HSA Tax Savings | N/A | $0 |
| (-) Employer HSA Contribution | N/A | $0 |
| Net Annual Cost | $0 | $0 |
Calculation Assumptions
- This is a 'total annual' model; it does not simulate the *timing* of costs throughout the year.
- Preventative care is assumed to be 100% covered and is not included in your cost estimates.
- Prescription costs are **not included** in this calculation, although they can differ significantly between plans.
- HDHP plans may not cover some non-preventative care/meds until the deductible is met, which could lead to higher-than-expected costs.