Health Plan Comparison
Compare two health plans side-by-side. Total annual cost = premiums + out-of-pocket − HSA tax savings − employer HSA. The winner isn't always obvious.
HDHP
wins by
$3,108/yr
Side-by-side
HDHP premium
$2,160
PPO premium
$5,040
HDHP OOP
$3,460
PPO OOP
$1,692
HDHP net cost
$3,624
PPO net cost
$6,732
Freedom Coach™
HDHP wins by $3,108/yr net.
HDHPs win when you're healthy — lower premium + HSA tax break. PPOs win in high-utilization years or with chronic conditions.
Premium
Save best-case, expected, and worst-case health year scenarios to pick the plan that survives a surprise diagnosis.
Unlock PremiumHDHPs win in healthy years thanks to lower premiums and HSA tax breaks. PPOs win in high-utilization years or if you have chronic conditions or expensive medications.
Both — but weight the WORST year more heavily. An ER visit, surgery, or new diagnosis can flip which plan is cheaper. Plan for the risk you can't afford, not the year you hope to have.
It's real money. At a 24% bracket, maxing an HSA saves ~$1,000/year in taxes forever — and the balance grows tax-free if you invest it.
Absolutely. Employer HSA contributions are pure additional compensation. Include them when comparing plans — they often make the HDHP a landslide.
Compare 'employee only' on both plans vs. 'family' on one. The delta is often $2k–$5k/yr — always run both scenarios.
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