Which plan is right for me?

This calculator will assist you in comparing an HSA Plan (High Deductible Health Plan with an HSA) against another deductible or non-deductible based plan. This tool should take you less than 5 minutes to complete and will provide you with a monthly & annual comparison of your estimated out of pocket costs for each option. You can update your entered information as much as you like.

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  • 1. Health Plan Information
  • 2. Healthcare Profile
  • 3. Savings with HSAs, FSAs, or HRAs
  • 4. Results
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Start by providing your health plan information below.

This tool will help you estimate potential savings when selecting your health plan. You can input the amount you might spend with a high-deductible health plan (HDHP) and a traditional (PPO or HMO) health plan to see which option might save you more money.

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If you have an employer ID, we can pre-populate many of the fields below with values straight from your provider.

Do you have an employer ID?

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Select your employer ID.

successSuccess! We've inserted your values. Proceed to the form below, or make a different selection above.

Fill in the blanks below. Have a question? Click the question mark icons for more information.

HDHP

Non-HDHP

Dollars per month

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Enter your monthly premium amount

Dollars per year

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Enter the annual plan deductible amounts

Dollars per year

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Enter the annual out-of-pocket limits for covered expenses.

office

Office Visit Coverage

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Enter the annual out-of-pocket limits for covered expenses.

Select coinsurance or copays

Average copay dollar amount for office visits

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Enter the percent OR dollar amount you pay for prescriptions after the deductible is paid.

Percent you pay after office visits deductible is met

Select yes or no

prescription

Prescription Drug Coverage

Select coinsurance or copays

Average copay dollar amount for prescriptions

Percent of prescription you pay after deductible is met

Select yes or no.

other services

Other Services Coverage (Lab, X-ray, Hospital, Skilled Nursing, etc.)

Select yes or no

Percent of other services you pay after deductible

We're not done quite yet...move onto the next step by clicking next.

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Next, fill out your healthcare profile below.

Value

Visits per year, at an average of $150 per visit. Do not include preventive care visits if covered at 100%

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Estimate the total number of doctor office visits made each year. Do not include preventive care visits if covered 100%

Prescriptions filled per year, at an average of $75 per prescription

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Estimate the average number of prescriptions filled each year

Annual dollar amount for other healthcare expenses

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Estimate the dollar amount your providers will bill annually for all other services. For example, if you expect to a have at least one ER visit at a cost of $400 and an outpatient procedure at a cost of $1,500 then enter $1,900. We'll apply your coinsurance to this amount.

We're not done quite yet...move onto the next step by clicking next.

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Fill out your HSA, FSA, or HRA information below.

Value

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Select your federal tax filing status from the drop down list

Include total of Federal, State, and FICA

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Enter your Federal tax rate. This can be found on pages 13-19 of IRS Publication 919. Access Publication 919 Here »

other services

HSA Contributions

Enter Annual Amount

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Enter the total HSA contributions for the selected filing status. The total cannot exceed the limits shown in the table to the right for your type of coverage.

Enter Annual Amount

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Enter the total of your Employer's annual HSA contributions

other services

Other Benefit Account Information for your Non-HDHP

Enter Annual Amount

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An FSA can be used for medical, dental, prescription and vision expenses. Remember, any unused amounts at the end of the year are returned to your employer, so it is important to carefully decide how much to contribute.

Enter Annual Amount

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An FSA can be used for medical, dental, prescription and vision expenses. Remember, any unused amounts at the end of the year are returned to your employer, so it is important to carefully decide how much to contribute.

We're just about done! Just press "calculate" below...

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We're Done! Here are your results.

HDHP

Non-HDHP

Annual Summary HDHP/HSA vs. Non-HDHP Costs

office

HDHP

Non-HDHP

HSA

FSA

HRA

Benefit Account Balance Summary

This tool assumes FSA funds must be used before HRA funds.

HDHP

Non-HDHP

office

Office Visits

prescription

Prescriptions

other services

Other Services