Calculator Inputs
Use in-network estimates for the cleanest comparison.
Plotly Graph
The graph updates after calculation and shows how yearly cost changes as eligible medical spending rises.
Example Data Table
These numbers match the example loader and help verify the formula flow.
| Coverage | Premium / Month | Deductible | Coinsurance | OOP Max | Employer HSA | Employee HSA | Tax Rate | Eligible Spend | Preventive Value | Outside Coverage | Projected Net Cost |
|---|---|---|---|---|---|---|---|---|---|---|---|
| Family | $420.00 | $3,200.00 | 20% | $6,500.00 | $1,500.00 | $2,400.00 | 24% | $5,000.00 | $700.00 | $450.00 | $6,974.00 |
Formula Used
This calculator uses a practical yearly planning model for high deductible health plans.
- Annual Premium = Monthly Premium × Plan Year Months
- Protected Medical Out-of-Pocket = Minimum of [Deductible Paid + (Eligible Spending Above Deductible × Member Coinsurance)] and Out-of-Pocket Maximum
- Total Medical Out-of-Pocket = Protected Medical Out-of-Pocket + Qualified Costs Outside Plan Coverage
- Gross Annual Cost = Annual Premium + Total Medical Out-of-Pocket
- Tax Savings = Employee HSA Contribution × Marginal Tax Rate
- Net Annual Cost = Gross Annual Cost − Employer HSA Contribution − Tax Savings
- Worst-Case Protected Yearly Cost = Annual Premium + Out-of-Pocket Maximum − Employer HSA Contribution − Tax Savings
- End-Year HSA Balance = Total HSA Funding − HSA Used
Employee HSA contributions are not subtracted as a separate cost line because they remain your money. The calculator only applies their tax advantage.
How to Use This Calculator
- Enter your monthly premium and full plan year length.
- Enter the deductible, coinsurance rate, and out-of-pocket maximum from the plan design.
- Add employer and employee HSA contribution amounts for the same year.
- Estimate your eligible medical spending for services that follow the plan’s cost-sharing rules.
- Add preventive care value and qualified costs that fall outside normal plan coverage.
- Press calculate to see net yearly cost, HSA balance, deductible progress, and the spending curve.
FAQs
1) What does this calculator estimate?
It estimates yearly premium cost, medical out-of-pocket expense, employer HSA support, employee HSA tax savings, projected net cost, and a spending curve for an HDHP.
2) Does this replace official plan documents?
No. It is a planning tool. Always confirm deductible rules, exclusions, family accumulation rules, and network terms in the official benefits summary.
3) Why is employer HSA subtracted but employee HSA is not?
Employer HSA funding is extra money added to your account. Your own HSA contribution is still your asset, so the calculator counts the tax savings instead of subtracting the full contribution again.
4) What expenses usually count toward the out-of-pocket maximum?
Most covered in-network deductible and coinsurance expenses count. Premiums and many excluded services do not. Check plan wording before making a final comparison.
5) Why include preventive care separately?
Many HDHPs cover preventive care at no cost. Listing it separately helps show care value paid by the plan without inflating your personal cost.
6) What happens if I enter an out-of-pocket maximum below the deductible?
The calculator automatically raises the protection limit to at least the deductible, because protected member cost cannot logically cap below deductible exposure.
7) Can I use this for family coverage?
Yes. Select family coverage and enter the family premium, family deductible, family out-of-pocket maximum, and total yearly HSA contributions that apply.
8) Can this help compare two health plans?
Yes. Run one plan, export the results, then update the fields for another plan. Compare net cost, worst-case exposure, HSA balance, and graph shape.