Sources verified · May 18, 2026

Pick the plan that costs you less.

Two plans, side-by-side, at four annual-spend levels — your own estimate plus low, medium, and high. We surface the crossover so you can see where the answer flips. Sources cited.

Plan A

The HSA-eligible high-deductible plan (HDHP)

Anything that helps you tell the two apart on the result.

Your share after the deductible. 'Plan pays 80%' = 20% coinsurance.

Plan B

The lower-deductible PPO (or alternative plan)

Anything that helps you tell the two apart on the result.

Your share after the deductible. 'Plan pays 80%' = 20% coinsurance.

HSA contribution — Plan A only (skip if Plan A isn't HSA-eligible)

Pre-tax through payroll. 2026 IRS limit: $4,400 self-only / $8,750 family.

Counts against the same IRS cap as your own.

Your tax setup — used for the HSA tax-savings math

Used to find your marginal federal + state + FICA rate for the HSA tax-savings math.

Your expected annual spend (the X variable)

Covered services only (visits, labs, scripts). Premiums are NOT part of this number. We also always show low / medium / high preset scenarios alongside your own estimate.

No ads or lead-gen

New here? See it work with example numbers:

What this tool does and doesn’t do

  • Does: HSA-eligible HDHP vs. PPO side-by-side comparison using premium + deductible + out-of-pocket max + coinsurance inputs you supply, plus HSA tax savings at your marginal federal + state + FICA rate and employer HSA contribution. Three preset spend scenarios (low / medium / high) plus your own estimate. Surfaces the crossover annual spend and HSA contribution-room against the IRS 2026 limits.
  • Doesn’t yet: in-network vs. out-of-network branching, prescription-tier modeling, prior-authorization probabilities, age-55+ HSA catch-up, FSA-vs-HSA election trade-offs, COBRA-bridge or marketplace ACA cost comparisons, partial-year enrollment, employer-portal wellness-credit rules, or HDHP-disqualifying coverage interactions.
  • This is a planning estimate. It is not health-insurance advice and not tax advice. Confirm important decisions with your benefits administrator or a qualified health-insurance professional during open enrollment.