Health Plan Comparison

Compare HDHP, PPO, and HMO across premiums, deductibles, and your expected annual healthcare spending.

HDHP annual premium $2,400

PPO annual premium $5,400

HDHP deductible $3,000

PPO deductible $750

HDHP out-of-pocket max $6,500

PPO out-of-pocket max $4,000

Expected medical spend this year $2,500

HSA contribution (HDHP only) $3,000

Lower-cost plan

Total expected annual cost

HDHP all-in cost

PPO all-in cost

Total annual cost: HDHP vs PPO

💡 Plan insight

Health Insurance Plan Comparison

The Health Insurance Plan Comparison runs an apples-to-apples cost calculation for an HDHP and a PPO at your expected level of healthcare spending. You enter both plans' annual premiums, deductibles, and out-of-pocket maximums, your expected medical spend for the year, and your HSA contribution if you go with the HDHP. The calculator returns the all-in annual cost for each plan, the winner, and the dollar gap. Use it during open enrollment instead of defaulting to the same plan as last year. Healthy households are routinely better off with an HDHP plus aggressive HSA contributions, while families with predictable high spending often save with a PPO; the calculator tells you which side of the line you are on.