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HSA vs PPO Calculator

Compare health plans to find the lowest total cost.

Plan Details

How It Works: Compares the total annual cost of a traditional PPO versus a High Deductible Health Plan (HDHP) with an HSA.

Key Inputs:
  • Premiums: Monthly cost for each plan.
  • Deductibles: Amount paid before insurance kicks in.
  • Expenses: Estimated annual medical costs.
  • Tax Savings: Potential tax benefits from HSA contributions.
Total PPO Annual Cost
$3,400
Total HSA Annual Cost
$1,100

Winner: HSA Plan

You save $2,300 by choosing this plan.

*Includes tax savings deduction and employer contributions.

HSA vs. PPO: Which Wins?

Choosing between a High Deductible Health Plan (HDHP) with an HSA and a traditional PPO comes down to your expected medical usage and math.

The HSA Advantage

The Health Savings Account (HSA) is a triple-tax threat:
1. Tax-free contributions.
2. Tax-free growth (if invested).
3. Tax-free withdrawals for medical expenses.

When PPO Wins

If you have significant, predictable medical expenses (chronic conditions, planned surgeries, or pregnancy), the higher premiums of a PPO often pay off through lower deductibles and copays.