HDHP/HSA vs PPO Decision Planner
Compare HDHP/HSA and PPO plans after premiums, deductibles, out-of-pocket maximums, employer HSA money, tax savings, expected medical use, worst-case exposure, and cash-reserve readiness.
Quick answer: Compare HDHP/HSA and PPO plans after premiums, deductibles, out-of-pocket maximums, employer HSA money, tax savings, expected medical use, worst-case exposure, and cash-reserve readiness. Enter HDHP premium, PPO premium, medical costs, and deductibles to personalize the estimate. It returns HDHP net cost, PPO net cost, and HDHP savings so you can compare the impact before choosing a next step. Use it to compare long-term value, tax impact, risk, time horizon, and contribution choices.
HDHP + HSA costs about $4,818 a year versus $9,000 for the PPO.
HDHP savings are $4,182; cash gap to the HDHP out-of-pocket max is $3,250.
Build this benefits plan in Money MapThis HDHP/HSA plan saves $4,182 versus PPO, with $3,250 still needed to cover the HDHP out-of-pocket max.
Build this benefits plan in Money Map ->
- 1
Compare expected and worst-case cost
Look at both expected annual cost and out-of-pocket maximum risk before choosing.
- 2
Check cash readiness
Make sure available medical cash can cover the HDHP out-of-pocket exposure.
- 3
Coordinate HSA funding
Include employer HSA money and tax savings in the first-year plan.
This is an educational estimate, not tax, legal, investment, or lending advice. Tax rules, rates, and eligibility change and depend on your full situation. Confirm with a qualified professional or the provider before acting.
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Reviewed Aug 8, 2026 · Methodology
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HDHP/HSA vs PPO Decision Planner helps users make a investing & retirement decision with clearer numbers, assumptions, and next actions.
How to Use It
- 1Enter your numbers in the input panel.
- 2Review the live results and interpretation on the right.
- 3Use the diagnostic outputs to compare options or plan the next step.
- 4Use the related links below if you want to move from analysis to action.
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