🧮 Tax Information
Federal Tax Rate (%)
Your marginal federal tax bracket
State Tax Rate (%)
0% if no state income tax
FICA Tax Rate (%)
Typically 7.65%
Total Tax Rate (%)
39.65
Lower Deductible Health Plan
Plan Details
Premium (monthly)
Deductible
Co-insurance (%)
Out of Pocket Max.
Annual FSA Contributions
Total FSA (or enter below individually)
Employer
Employee
💡 Tax Tip: FSA contributions save $0 in taxes annually
High Deductible Health Plan
Plan Details
Premium (monthly)
Deductible
Co-insurance (%)
Out of Pocket Max.
Annual HSA Contributions (HDHP Only)
Total HSA (or enter below individually)
Employer
Employee
💡 Tax Tip: HSA contributions save $0 in taxes annually
💰 Healthcare Expense Modeling
Common Annual Expenses
Service
LDHP Copay
HDHP Cash Price
LDHP Copay
HDHP Cash Price
LDHP Copay
HDHP Cash Price
LDHP Copay
HDHP Cash Price
LDHP Copay
HDHP Cash Price
LDHP Copay
HDHP Cash Price
LDHP Copay
HDHP Cash Price
LDHP Copay
HDHP Cash Price
LDHP Copay
HDHP Cash Price
LDHP Copay
HDHP Cash Price
LDHP Copay
HDHP Cash Price
LDHP Copay
HDHP Cash Price
LDHP Copay
HDHP Cash Price
LDHP Copay
HDHP Cash Price
LDHP Copay
HDHP Cash Price
LDHP Copay
HDHP Cash Price
LDHP Copay
HDHP Cash Price
LDHP Copay
HDHP Cash Price
LDHP Copay
HDHP Cash Price
LDHP Copay
HDHP Cash Price
LDHP Copay
HDHP Cash Price
🏥 Custom Healthcare Expense (e.g., Known Surgery or Major Procedure)
Enter a planned or anticipated healthcare expense that isn't covered by the checkboxes above (e.g., $50,000 surgery, fertility treatment, etc.)
📊 Total Estimated Healthcare Expenses
LDHP Total Copays
$0.00
HDHP Full Cash Price
$0.00
Custom Planned Expense (applies to both plans)
$0.00
Copays are fixed costs under LDHP. Custom expenses are subject to deductible and co-insurance.
💸 Perspective 1: Maximum Annual Cost
What's the absolute maximum you could pay for healthcare this year? This is your "worst-case scenario" where you hit your out-of-pocket maximum.
Lower Deductible Plan
Annual Premiums (12 × monthly)
Out-of-Pocket Maximum
$3,000.00
Maximum Total Cost
$4,584.00
This is what you'd pay if you had major healthcare expenses and hit your out-of-pocket max.
High Deductible Plan
Annual Premiums (12 × monthly)
Out-of-Pocket Maximum
$4,000.00
Employer HSA Contribution
-$850.00
Maximum Total Cost
$3,390.00
Your employer contributes to your HSA, reducing your effective maximum cost even in the worst case.
In the worst-case scenario where you max out your coverage:
HDHP saves you $1,194.00
💰 Perspective 2: Savings vs Take-Home Pay
Two ways to think about your money: treating HSA as savings (long-term wealth) vs. optimizing for maximum take-home pay (cash in hand today).
Lower Deductible Plan
Annual Premiums
FSA Contribution (pre-tax)
$680.00
Maximum OOP (if needed)
$3,000.00
Worst Case Total
$5,264.00
Money saved annually: $0 (no investment vehicle)
Take-home impact: Less money per paycheck due to higher premiums
Take-home impact: Less money per paycheck due to higher premiums
High Deductible Plan
Annual Premiums
Your HSA Contribution (pre-tax)
$3,550.00
Employer HSA Contribution
+$850.00
Maximum OOP (if needed)
$4,000.00
Worst Case Total Spent
$6,940.00
HSA Balance (if no claims)
$4,400.00
🎯 If you view HSA as savings: HDHP is always cheaper ($240 premium vs $1,584)
💵 If you want max take-home: Higher HSA contributions mean less in your paycheck
💵 If you want max take-home: Higher HSA contributions mean less in your paycheck
The HSA Mindset Trade-off
🏦 "HSA as Savings" View
HDHP true cost
$240/year
LDHP true cost
$1,584/year
Advantage
HDHP saves $1,344
Your HSA contributions build tax-free wealth. You're still spending the money, but it's going into an investment account you own forever.
💵 "Take-Home Pay" View
HDHP paycheck deduction
$316/month
LDHP paycheck deduction
$189/month
Take-home difference
LDHP feels cheaper by $127/mo
If you max out your HSA contributions, your paycheck will be smaller even though you're building savings.
🏥 Perspective 3: Actual Out-of-Pocket Cost
Based on your healthcare selections, here's what you'd actually pay under each plan including all premiums, copays, deductibles, and out-of-pocket costs.
Lower Deductible Plan
Annual Premiums
Monthly Premium × 12
Healthcare Expenses
Copays (Common Services)
$0.00
Custom Expense
$0.00
Deductible Applied
$0.00
Co-insurance (10% after deductible)
$0.00
FSA Funding (Your Healthcare Spending Account)
Your FSA Contribution (pre-tax)
$680.00
Employer FSA Contribution
+$0.00
Total FSA Available for Healthcare
$680.00
Healthcare Expenses (paid from FSA)
$0.00
FSA Balance Remaining (use or lose)
$680.00
Out-of-Pocket (if expenses > FSA)
$0.00
True Annual Cost (Premium + Extra OOP only)
$1,584.00
High Deductible Plan
Annual Premiums
Monthly Premium × 12
Healthcare Expenses
Common Services (Full Cost)
$0.00
Custom Expense
$0.00
Deductible Applied
$0.00
Co-insurance (10% after deductible)
$0.00
HSA Funding (Your Healthcare Savings Account)
Your HSA Contribution (pre-tax)
$3,550.00
Employer HSA Contribution (free money!)
+$850.00
Total HSA Available for Healthcare
$4,400.00
Healthcare Expenses (paid from HSA)
$0.00
HSA Balance Remaining (rolls over!)
$4,400.00
Out-of-Pocket (if expenses > HSA)
$0.00
True Annual Cost (Premium + Extra OOP only)
$240.00
Based on your estimated healthcare usage:
Result will appear when expenses are added
💡 How this calculation works:
LDHP with FSA: You pay copays for common services, and custom expenses go through deductible + 10% co-insurance. Your FSA (your contribution + employer contribution) pays for these healthcare costs. Your true cost = Premium + (Healthcare expenses that exceed FSA funding).
⚠️ FSA Caveat: Unlike HSA, unused FSA funds don't roll over (use-it-or-lose-it), so over-funding hurts you.
HDHP with HSA: You pay full cost for all services until deductible is met, then 10% co-insurance. These expenses are paid FROM your HSA (your contribution + employer contribution). Your true cost = Premium + (Healthcare expenses that exceed HSA funding).
✅ HSA Advantage: Unused HSA funds roll over forever and can be invested - it's a retirement account!
Example: If you have $680 in FSA and $500 in expenses, FSA covers it all. You only paid: Premium. If you had $1,000 in expenses, you'd pay: Premium + $320 out-of-pocket.
LDHP with FSA: You pay copays for common services, and custom expenses go through deductible + 10% co-insurance. Your FSA (your contribution + employer contribution) pays for these healthcare costs. Your true cost = Premium + (Healthcare expenses that exceed FSA funding).
⚠️ FSA Caveat: Unlike HSA, unused FSA funds don't roll over (use-it-or-lose-it), so over-funding hurts you.
HDHP with HSA: You pay full cost for all services until deductible is met, then 10% co-insurance. These expenses are paid FROM your HSA (your contribution + employer contribution). Your true cost = Premium + (Healthcare expenses that exceed HSA funding).
✅ HSA Advantage: Unused HSA funds roll over forever and can be invested - it's a retirement account!
Example: If you have $680 in FSA and $500 in expenses, FSA covers it all. You only paid: Premium. If you had $1,000 in expenses, you'd pay: Premium + $320 out-of-pocket.
📊 Effective Cost Comparison
LDHP Premium Effective Cost
FSA Effective Cost
$410.38
$34.20/mo
HDHP Premium Effective Cost
HSA Effective Cost
$2,142.43
$178.54/mo