2026 Health Plan Cost Analyzer

1. Plan Details

Coverage Type

PPO (Preferred Provider Org)

Premium

In-Network Deductible

In-Network Out-of-Pocket Max (OOPM)

In-Network Coinsurance

HDHP (High Deductible Plan)

Premium

In-Network Deductible

In-Network Out-of-Pocket Max (OOPM)

In-Network Coinsurance

Out-of-Network (OON)

Include Out-of-Network Costs?

2. Expected Annual Usage

Quick Preset

In-Network Medical Costs i

In-Network Prescription Drug Costs i

3. Your Contributions

Estimated Marginal Tax Rate i

Your Annual FSA Contribution (for PPO) 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. Medical Spend

PPO Net Cost

HDHP Net Cost

Cost Breakdown

Cost Component	PPO Plan	HDHP Plan
Annual Premiums	$0	$0
In-Network Costs (Your Share)	$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