Your healthcare usage
Expected medical expenses / yr$2,500
HSA employer contribution$600
Your HSA contribution$1,200
PPO plan
Monthly premium$320
Deductible$1,000
Coinsurance (after ded.)20%
HDHP plan
Monthly premium$180
Deductible$2,800
Out-of-pocket max$5,000
Best plan for your usage level
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PPO
True annual cost
—
premium + out-of-pocket
HDHP
True annual cost
—
premium + out-of-pocket
HDHP + HSA
True annual cost
—
after HSA tax savings
Annual cost at different expense levels
PPO
HDHP
HDHP+HSA
Cost breakdown at your usage level
ItemPPOHDHPHDHP+HSA
Annual premium———
Out-of-pocket———
HSA tax savings———
Employer HSA———
Net annual cost———