Health Plan Comparison Tool
Tax & Core Estimate
Lower Deductible Health Plan (LDHP)
High Deductible Health Plan (HDHP) + HSA
Scenario modeling
Health Service / Item
LDHP Copay
HDHP Cash Price
Monthly Paycheck Deduction
Detailed Cost Breakdown (Annual)
| Calculation Component | LDHP | HDHP |
|---|---|---|
| Effective Premium (Tax Adjusted) | $0.00 | $0.00 |
| Applied Deductible (Paid Upfront) | $0.00 | $0.00 |
| Copays / Co-insurance (Post-Ded) | $0.00 | $0.00 |
| Employer HSA Grant Offset | -- | -$0.00 |
| Total Net Annual Cost | $0.00 | $0.00 |
STRATEGIC PLAN RECOMMENDATION
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HSA WEALTH & TAX SHIELD
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STRATEGY TIP: THE COPAY TRAP
Beware the "Hidden" PPO Costs: While PPOs (LDHP) feel cheaper for basic office visits, services like scans, labs, and imaging often bypass the copay structure and hit your coinsurance immediately.
If you anticipate specialist work that falls below your deductible but above a standard copay, the HDHP's negotiated "Cash Price" is often lower than the PPO's "Price + Coinsurance" total.
If you anticipate specialist work that falls below your deductible but above a standard copay, the HDHP's negotiated "Cash Price" is often lower than the PPO's "Price + Coinsurance" total.