HDHP vs PPO Break-Even
Compare the expected annual cost of a High-Deductible Health Plan (HDHP) with an HSA versus a traditional PPO. Factor in premiums, out-of-pocket spending, HSA tax savings, and employer contributions to see which plan is cheaper at different utilization levels.
HDHP + HSA Inputs
HSA contributions reduce your taxable income (often federal, state, and payroll taxes). This model only applies your entered marginal rate for a conservative estimate.
Traditional PPO Inputs
This model treats out-of-pocket as your best estimate of coinsurance, copays, and uncovered services, capped at the plan's out-of-pocket maximum.
Shared Usage Slider (Optional)
For a quick side-by-side, assume the same annual medical spending under both plans and see which is cheaper at that utilization level.
Drag to model light vs heavy usage years. You can still override each plan's expected out-of-pocket above.
Net Annual Cost (Your Assumptions)
Based on your premiums, expected out-of-pocket, HSA contributions, and tax rate, the HDHP + HSA looks cheaper by about $2,160 this year.
Risk & Break-Even View
Across a wide range of spending tested, one plan stayed cheaper than the other. Try adjusting premiums, HSA contributions, and OOP maximums to see where the lines might cross.
This model ignores some real-world complexities: separate in/out-of-network limits, family vs individual tiers, copay vs coinsurance structures, and payroll tax treatment of HSA contributions. Use it as a directional tool, not tax or benefits advice.