Plan Comparison

Comparison Calculator

Which health plan is right for me?

This quick and easy calculator will help you determine if you're signing up for the right health plan.

First, we need some basic information about your healthcare usage.

This will help us estimate your costs throughout the plan year.

How many times do you go to the doctor each year?

How many prescriptions do you fill each year?

Prescriptions filled per year, at an average of $75 per prescription

Enter the dollar amount of other healthcare expenses you anticipate this year

This could include labs, x-rays, hospital visists, or skilled nursing

Are you signing up for an individual or family plan?

Provide your plan information for Health Plan A below.

Fill in the blanks below. Have a question? Click the question mark icons for more information.

What is the premium cost?

Enter dollars you pay per month

What is the deductible?

Dollars per year

What is the out-of-pocket limit?

Dollars per year

Office Visit Coverage

Enter the annual out-of-pocket limits for covered expenses.

Does this plan include copays or coinsurance?

Select coinsurance or copays

Enter the average office visit copay

Average copay dollar amount for office visits

Enter the office visit coinsurance after the deductible is met

Percent you pay after office visits deductible is met

Are office visits subject to the deductible?

Select yes or no

Prescription Drug Coverage

Does this plan include copays or coinsurance for prescriptions?

Select coinsurance or copays

Enter the average prescription copay

Average copay dollar amount for prescriptions

Enter the prescription coinsurance after the deductible is met

Percent of prescription you pay after deductible is met

Are prescriptions subject to the deductible?

Select yes or no.

Other Services Coverage (Lab, X-ray, Hospital, Skilled Nursing, Etc.)

Enter the other services coinsurance

Are other services subject to the deductible?

Select yes or no.

Health Funding Accounts

Which accounts are associated with this plan?

HSA (Health Savings Account) FSA (Flexible Spending Account) HRA (Health Reimbursement Account)

How much do you contribute to your HSA each year?

How much does your employer contribute to your HSA each year?

How much is contributed to your FSA each year?

Include employer contributions. Maximum FSA contribution allowed by IRS is $3,300. Consult your employer for the maximum allowed by your plan.

How much is contributed to your HRA each year?

Include employer contributions.

Provide your plan information for Health Plan B below.

Fill in the blanks below. Have a question? Click the question mark icons for more information.

What is the premium cost?

Dollars per month

What is the deductible?

Dollars per year

What is the out-of-pocket limit?

Dollars per year

Office Visit Coverage

Enter the annual out-of-pocket limits for covered expenses.

Does this plan include copays or coinsurance?

Select coinsurance or copays

Enter the average office visit copay

Average copay dollar amount for office visits

Enter the office visit coinsurance after the deductible is met

Percent you pay after office visits deductible is met

Are office visits subject to the deductible?

Select yes or no

Prescription Drug Coverage

Does this plan include copays or coinsurance for prescriptions?

Select coinsurance or copays

Enter the average prescription copay

Average copay dollar amount for prescriptions

Enter the prescription coinsurance after the deductible is met

Percent of prescription you pay after deductible is met

Are prescriptions subject to the deductible?

Select yes or no.

Other Services Coverage (Lab, X-ray, Hospital, Skilled Nursing, Etc.)

Enter the other services coinsurance

Are other services subject to the deductible?

Select yes or no.

Health Funding Accounts

Which accounts are associated with this plan?

HSA (Health Savings Account) FSA (Flexible Spending Account) HRA (Health Reimbursement Account)

How much do you contribute to your HSA each year?

How much does your employer contribute to your HSA each year?

How much is contributed to your FSA each year?

Include employer contributions. Maximum FSA contribution allowed by IRS is $3,200. Consult your employer for the maximum allowed by your plan.

How much is contributed to your HRA each year?

Include employer contributions.

Fill out your tax information below.

What is your federal tax filing status?

What is the tax year?

What is your effective federal tax rate?

Include total of all Federal, State, and FICA if applicable.

We're Done! Here are your results.

Health Plan A

Your estimated annual costs

Health Plan B

Your estimated annual costs

Your Insurance Premium

PlusYour Actual Out-of Pocket Healthcare Costs

LessTotal Paid for by Employer HSA Contributions

LessYour HSA Contribution Tax Savings

LessYour HealthCare FSA Tax Savings

LessTotal Paid for by employer with your HRA

=Estimated Annual Costs

Your Insurance Premium

PlusYour Actual Out-of Pocket Healthcare Costs

LessTotal Paid for by Employer HSA Contributions

LessYour HSA Contribution Tax Savings

LessYour HealthCare FSA Tax Savings

LessTotal Paid for by employer with your HRA

=Estimated Annual Costs

HDHP

Non-HDHP

Office Visits

Estimated Total Office Visit Incurred Costs

You PayOffice Visits Amount Applied to Deductible

Deductible Remaining after Office Visits applied

Number of Visits After Deductible is Met

You PayOffice Visit Copay/Coinsurance

Your Insurance Pays

=Total Office Visits Out-of-Pocket

Prescriptions

Estimated Prescription Incurred Costs

You PayPrescriptions Applied to Deductible

Deductible Remaining after Prescriptions applied

Number of Prescriptions After Deductible is Met

You PayPrescriptions Copay/Coinsurance

Your Insurance Pays

=Total Prescriptions Out-of-Pocket

Other Services

Estimated Other Annual Healthcare Incurred Costs

You PayOther Services Applied to Deductible

Deductible Remaining after Other Services applied

You PayOther Services Coinsurance

Your Insurance Pays

Total Other Services Out-of-Pocket

=Total Out-of-Pocket

For illustrative purposes only. Calculation is an estimate and results may vary.