2026 Health Plan Cost Analyzer

1. Plan Details

Coverage Type

PPO (Preferred Provider Org)

Premium

In-Network Deductible

In-Network OOP Max

In-Network Coinsurance

Rx costs apply to Deductible?

HDHP (High Deductible Plan)

Premium

In-Network Deductible

In-Network OOP Max

In-Network Coinsurance

Rx costs apply to Deductible?

Out-of-Network (OON)

Include Out-of-Network Costs?

2. Expected Annual Usage

Quick Preset

Billed Medical Costs i

Billed Prescription Costs i

3. Your Contributions

Estimated Marginal Tax Rate i

FSA Contribution (PPO only) i

HSA (Health Savings Account)

Employer Contribution

Your Contribution i

Age 55+ (for $1,000 HSA Catch-up) (Total Max: $0)

Projections

Enter your plan details to see your recommendation.

PPO Net Cost

$0

HDHP Net Cost

$0

Calculating breakeven...

Cost vs. Billed Spend

PPO Net Cost

HDHP Net Cost

Cost Breakdown

Cost Component	PPO Plan	HDHP Plan
Annual Premiums	$0	$0
Your Out-of-Pocket Share	$0	$0
Deductible Paid	$0	$0
Coinsurance Paid	$0	$0
Out-of-Network Costs	$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.
The graph projects costs using the same Medical/Rx ratio from your inputs (defaulting to 75%/25% if your inputs are $0).
Preventative care is assumed to be 100% covered and is not included in your cost estimates.
Your share of prescription costs is assumed to count towards your Out-of-Pocket Max (OOPM) in all plans.
HDHP plans may not cover some non-preventative care/meds until the deductible is met, which could lead to higher-than-expected costs.