Tool

Plan comparison

Last reviewed November 3, 2026 · Educational use only

The cheapest plan depends on how much care you use. This tool adds a year of premiums to the cost-sharing you would pay at every level of medical spending, and shows where the plans cross.

The three plans loaded below are made-up examples. Replace them with the numbers from the plans you are comparing.

	Plan 1	Plan 2	Plan 3
Plan name
Your premium per month
Deductible
Coinsurance %
Out-of-pocket max
Employer HSA/HRA contribution per year

Expected allowed medical costs this year$3,000

Example PPOExample HDHP + HSAExample HMO

At your expected spending

Plan	Premiums	Employer HSA/HRA	Your cost-sharing	Total	Worst case
Example PPO	$2,520	−$0	$1,400	$3,920	$7,520
Example HDHP + HSA	$1,140	−$750	$2,600	$2,990	$6,890
Example HMO lowest	$1,800	−$0	$750	$2,550	$5,800

At $3,000 of care, Example HMO costs $440 less than the next option. Worst case = a year of premiums, minus the employer contribution, plus the full out-of-pocket maximum.

Patients

Things this doesn't capture: whether your doctors and drugs are in each network and formulary, copays for routine visits, tax savings on your own HSA contributions, and how much risk you can absorb in a bad year. Look at the right end of the chart: that is your worst case.