Health plan calculator

Which health plan actually costs you less?

Compare employer health insurance plans using the same billed amount scenario.

HSA vs PPODeductible vs OOP maxCopay vs CoinsuranceHMO vs PPO vs EPO

Step 1: simulate a year of medical bills or enter your own estimate

Usage scenario

Total billed amount
(per year)
$3,060
Step 2: enter the info of a plan you wish to compare
?Typically paired with high-deductible plans. You contribute pre-tax money, it rolls over yearly, and you can invest it.
?A fixed dollar amount you pay for certain services (like office visits or prescriptions). Copay plans often have higher premiums but lower costs for routine care. Copays usually do not count toward your deductible, but they typically count toward your out-of-pocket maximum.
Usually lowest premiums. You typically need a PCP and referrals. Out-of-network care is often not covered except emergencies.
Most flexible option. Usually no referral needed and includes some out-of-network coverage, but with higher costs.
Middle ground. Usually no referral needed, but you generally must stay in-network for coverage except emergencies.
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Step 3: enter the info of a plan you wish to compare
?Typically paired with high-deductible plans. You contribute pre-tax money, it rolls over yearly, and you can invest it.
?A fixed dollar amount you pay for certain services (like office visits or prescriptions). Copay plans often have higher premiums but lower costs for routine care. Copays usually do not count toward your deductible, but they typically count toward your out-of-pocket maximum.
Usually lowest premiums. You typically need a PCP and referrals. Out-of-network care is often not covered except emergencies.
Most flexible option. Usually no referral needed and includes some out-of-network coverage, but with higher costs.
Middle ground. Usually no referral needed, but you generally must stay in-network for coverage except emergencies.
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PPO · Copay
 

Total annual cost

$5,495
Premiums: $3,900 / yr?$150 x 26 paychecks = $3,900 per year
Medical out-of-pocket: $1,595?Out-of-pocket before coinsurance ($1,000) + Coinsurance ($0 x 20% = $0) + Copays ($595) = $1,595. OOP max $6,000 not reached.
PPO · HSA
 

Total annual cost

$5,092
Premiums: $2,080 / yr?$80 x 26 paychecks = $2,080 per year
Medical out-of-pocket: $3,012?Out-of-pocket before coinsurance ($3,000) + Coinsurance ($60 x 20% = $12) + Copays ($0) = $3,012. OOP max $6,500 not reached.

Total Annual Cost vs. Medical Claims

Copays are not reflected in this curve and may reduce out-of-pocket responsibility for certain services.

$0$2.5K$5K$7.5K$10K$10.7K$12.5KModeratescenario$0$10K$20K$30K$40K$50KTotal medical claims per yearTotal annual cost (premiums + medical out-of-pocket)

Not financial or medical advice. For educational estimates only.

Health Plan Comparison Report

Scenario-based plan estimate summary

Mar 3, 2026
Employer Health Compare
Usage Scenario
$3,060
Moderate usage: more specialist follow-ups, one urgent care visit, regular therapy, one imaging service, and about two monthly prescriptions.

 

PPO · HSA eligible

Lowest total
Premium / paycheck: $80
Paychecks / year: 26
Deductible: $3,000
OOP max: $6,500
Coinsurance: 20%
Output at Scenario
$5,092
Premiums: $2,080
Medical out-of-pocket: $3,012

 

PPO · Copay

Premium / paycheck: $150
Paychecks / year: 26
Deductible: $1,500
OOP max: $6,000
Coinsurance: 20%
Output at Scenario
$5,495
Premiums: $3,900
Medical out-of-pocket: $1,595

Total Annual Cost vs Medical Claims

Chart preview unavailable