2026 Health Plan Cost Analyzer
Here's a sample analysis. Let's personalize it for you.
Projections
Enter your plan details to see your recommendation.
PPO Net Cost
$0HDHP Net Cost
$0Calculating breakeven...
Cost vs. Billed Medical 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 |
| 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 |
HDHP Long-Term Advantage
Based on your inputs, you are estimated to have $0 left over in your HSA this year.
This "unspent" amount can be invested (tax-free) and grows tax-free. For comparison, investing $0 annually at a 7% return for 10 years could result in $0.
After age 65, HSA funds can be withdrawn for any reason without penalty (acting like a 401k), though non-medical withdrawals are still subject to income tax.
Calculation Assumptions
- This is a 'total annual' model; it does not simulate the *timing* of costs throughout the year.
- Preventative care is assumed to be 100% covered and is not included in your cost estimates.
- Prescription costs are **not included** in this calculation, although they can differ significantly between plans.
- HDHP plans may not cover some non-preventative care/meds until the deductible is met, which could lead to higher-than-expected costs.