HSA vs PPO calculator: what would each plan cost you?

1 Household and taxes

Coverage Family Self-only

Tax rate on HSA money you put in % Income tax + 7.65% payroll tax (if paid in through your paycheck) + state. The video uses 25%. 55 or older (+$1,000 catch-up)

Your own HSA contributions each year What care costs beyond the employer deposit, up to the limit (as in the video) A fixed amount: $

2 The two plans

From each plan's Summary of Benefits and Coverage. In-network amounts.

Current plancopay plan

HSA planhigh-deductible plan + HSA

Premium per monthyour share

Deductible

Deductible per personblank = none

Deductible, family

Coinsuranceyour share after the deductible

Out-of-pocket max

Out-of-pocket max per personblank = none

Out-of-pocket max, family

Copays before the deductiblevisits and prescriptions

Yes

Nofull price until the deductible

Copay: doctor visit

–

Copay: specialist

–

Copay: generic prescription

–

Copay: brand-name medicineper month

–

Employer HSA depositper year

–

3 Full prices of care

What the plan's negotiated (in-network) price would be. You pay it in full on the HSA plan until the deductible. Your insurer's cost estimator can show real prices.

Doctor visit$ Specialist visit$ Generic prescription$ Brand-name medicine, 1 month$

4 Years to compare

Each row is one person, or the family's routine care together (as in the video). Per-person deductibles and caps apply to each row. Self-only: all rows count as you.

Add a year

What each plan would cost

What drives the difference

The link stores your numbers after the # sign. That part of a link is never sent to a website; only someone you share it with sees it.

Good to know

To put money in an HSA you need an HSA-qualified high-deductible plan (HDHP) and no other non-HDHP coverage, such as a general-purpose health FSA (including a spouse's FSA that can pay your costs).
On an HSA plan, the plan pays nothing before the deductible except preventive care (checkups, screenings, many vaccines, in network). This tool counts checkups as $0 on both plans.
2027 HSA limits: $4,500 self-only, $9,000 family, employer money included. $1,000 more at 55+. 2027 HSA-qualified plans: deductible at least $1,750 / $3,500, out-of-pocket max at most $8,700 / $17,400.
On the HSA plan you may pay up to the full deductible yourself, possibly early in the year.
Unspent HSA money rolls over and stays yours if you change jobs. This tool counts leftover deposit and contributions as yours, and does not count investment growth.
Not included: out-of-network care, drugs not on the plan's list, separate drug deductibles, FSAs or HRAs, state tax differences, premium changes during the year.
Educational only, not advice. Check your plan documents; limits change yearly.

Sources: IRS Rev. Proc. 2026-24 (2027 limits) and IRS Publication 969 (HSA rules); HealthCare.gov (preventive care, plan costs); KFF 2026 Employer Health Benefits Survey (typical copays and coinsurance, used for the example).