2026 Health Plan Cost Analyzer

1. Plan Details

Coverage Type

PPO (Preferred Provider Org)

Premium

In-Network Deductible

In-Network OOP Max

In-Network Coinsurance

Rx applies to Deductible?

HDHP (High Deductible Plan)

Premium

In-Network Deductible

In-Network OOP Max

In-Network Coinsurance

Rx applies to Deductible?

Out-of-Network (OON)

Include Out-of-Network Costs?

2. Expected Annual Usage

Quick Preset

In-Network Medical Costs i

Covered Prescriptions

3. Your Contributions

Estimated Marginal Tax Rate i

FSA Contribution (PPO only) i

HSA (Health Savings Account)

Employer Contribution

Your Contribution i

Age 55+ (for $1,000 HSA Catch-up) (Total Max: $0)

Calculation Assumptions

Preventative care is assumed to be 100% covered and is not included in your cost estimates.
The graph simulates costs by assuming a 75% Medical / 25% Prescription cost ratio.
A 50% coinsurance rate is assumed for Out-of-Network care (after the OON deductible).
"Covered Prescriptions" are assumed to have the same coinsurance rate as your plan's medical costs.
The tool does not model separate prescription deductibles or complex copay-first plans.

Projections

Enter your plan details to see your recommendation.

PPO Net Cost

HDHP Net Cost

Calculating breakeven...

Cost vs. Medical & Rx Spend