How to Calculate Health Plan Comparison
Total annual cost of two plans at your actual usage, not just the premium.
How this number is built
Calculating it yourself
Step 1
Estimate medical spend from last year's actual claims, not from how you feel.
Step 2
Include premiums for the full year — they are paid whether you use care or not.
Step 3
Check the out-of-pocket maximum, which is your true worst case.
Step 4
Subtract any employer HSA contribution, which is real money attached to one plan.
What people ask next
Is a high-deductible plan always cheaper?
Only below the crossover point. Above it the lower deductible plan wins, and the crossover is exactly what this calculates.
Does the HSA change the maths?
Yes — the employer contribution and the tax deduction on your own contributions both reduce the effective cost.
Searches this page answers
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