Compare Your Health Plan

Health plan comparison calculator

This plan comparison tool helps you determine if an HSA is right for you.

Compare Health Plans

Simply enter some basic information about your health plan, and we'll provide you with the cost estimate of each plan.

Note: The plan comparison tool is intended to be used as a guide and to measure hypothetical savings. It is not intended to be used as advice. If you need advice for your specific situation, please consult with a qualified financial or tax advisor.

Please select a health plan comparison option.

HSA Plan vs Traditional/PPO Plan

HSA Plan versus HSA Plan

START COMPARISON

Step 1
Healthcare
Usage
Step 2
Traditional
Plan Details HSA Plan 1
Step 3
HSA Plan
Details HSA Plan 2
Step 4
Results

Step 1: Healthcare Usage

How many times do you (and your dependents) go to the doctor's office each year?

Number of Doctor Visits

How many prescriptions do you (and your dependents) fill each year?

Number of Prescriptions

Enter additional healthcare costs that you anticipate (for you and your dependents) in the coming year.

Additional Healthcare Costs When anticipating additional healthcare costs, please consider costs for: specialist visits, labs/x-rays, inpatient surgery, outpatient surgery, and emergency room visits.

BACK CONTINUE

Step 1
Healthcare
Usage
Step 2
Traditional
Plan Details HSA Plan 1
Step 3
HSA Plan
Details HSA Plan 2
Step 4
Results

Step 2: Enter the Details of

INSURANCE COSTS:

How much do you pay for your health insurance premium each paycheck?

Paycheck Input Field Premium is the amount you pay to the health insurance company each paycheck.

How many paychecks do you receive each year?

How Many Paychecks Each Year Input Field The most common pay periods are semi-monthly (twice a month), biweekly (every two weeks), and weekly.

What is your deductible?

What Is Your deductible Input Field Deductible is the amount you pay for covered healthcare services before your insurance plan starts to pay for those services.

What is your maximum out-of-pocket expense?

Maximum out of pocket input Maximum out-of-pocket expense is the maximum amount you'll pay for covered services during the policy period on your health plan.

CO-INSURANCE:

Do you have to pay co-insurance?

Yes No Co-insurance is the percentage of healthcare costs you are responsible for paying after you've paid your deductible.

Please select "yes" or "no."

What is your co-insurance?

Coinsurance Percent Input Field %

TAX BRACKETS:

What is your Federal tax bracket?

Federal Tax bracket input select. % There are seven marginal income tax brackets for each federal filing status: 10, 12, 22, 24, 32, 35, and 37 percent.

What is your state tax bracket?

State Tax bracket input select. % Consult your state's individual tax rules and regulations to find out this percentage.

OFFICE VISITS:

Do you have a copay to see your doctor/healthcare provider?

Yes No

Please select "yes" or "no."

On average, what is your copay for an office visit?

Average doctors visit copay input field.

On average, how much does it cost you to see your doctor/healthcare provider?

Average doctors visits input field.

On average, how much does it cost you to see your doctor/healthcare provider?

Average doctors visits amount input field.

PRESCRIPTIONS:

Do you have a prescription copay?

Yes No

Please select "yes" or "no."

On average, what is your prescription copay?

Average prescription copay amount input field.

On average, what does each prescription cost you?

Average prescription amount input field.

On average, what does each prescription cost you?

Average prescription cost amount input field.

HSA CONTRIBUTIONS:

How much will your employer contribute annually
to your HSA?

Employer contribution input field. Your employer may make a one-time contribution or periodic contributions to your HSA.

How much will you, personally, contribute annually
to your HSA?

Personal contribution input field. Enter the amount of money you'll put into your HSA for the year. This includes contributions from your employer. Visit hsabank.com/irs-guidelines for current maximum contribution amounts. Depending on your plan type (single or family), what you enter shouldn't exceed the maximum amount.

BACK CONTINUE

Step 1
Healthcare
Usage
Step 2
Traditional
Plan Details HSA Plan 1
Step 3
HSA Plan
Details HSA Plan 2
Step 4
Results

Step 3: Enter the Details of

INSURANCE COSTS:

How much do you pay for your health insurance premium each paycheck?

Health insurance cost for second plan input field. Premium is the amount you pay to the health insurance company each paycheck.

How many paychecks do you receive each year?

Paychecks per year for second plan input field. The most common pay periods are semi-monthly (twice a month), biweekly (every two weeks), and weekly.

What is your deductible?

Deductible for second plan input field. Deductible is the amount you pay for covered healthcare services before your insurance plan starts to pay for those services.

What is your maximum out-of-pocket expense?

max out of pocket for second plan input field. Maximum out-of-pocket expense is the maximum amount you'll pay for covered services during the policy period on your health plan.

CO-INSURANCE:

Do you have to pay co-insurance?

Yes No Co-insurance is the percentage of healthcare costs you are responsible for paying after you've paid your deductible.

Please select "yes" or "no."

What is your co-insurance?

Coinsurance for second plan input field. %

TAX BRACKETS:

What is your Federal tax bracket?

Federal tax brakcet for second plan input field. % There are seven marginal income tax brackets for each federal filing status: 10, 12, 22, 24, 32, 35, and 37 percent.

What is your state tax bracket?

State tax brakcet for second plan input field. % Consult your state's individual tax rules and regulations to find out this percentage.

OFFICE VISITS:

On average, how much does it cost you to see your doctor/healthcare provider?

Cost for doctor visit for second plan input field.

PRESCRIPTIONS:

On average, what does each prescription cost you?

Average prescription cost for second plan.

HSA CONTRIBUTIONS:

How much will your employer contribute annually
to your HSA?

Employer contribution for second plan. Your employer may make a one-time contribution or periodic contributions to your HSA.

How much will you, personally, contribute annually
to your HSA?

Personal contribution for second plan. Enter the amount of money you'll put into your HSA for the year. This includes contributions from your employer. Visit hsabank.com/irs-guidelines for current maximum contribution amounts. Depending on your plan type (single or family), what you enter shouldn't exceed the maximum amount.

BACK CONTINUE

Step 1
Healthcare
Usage
Step 2
Traditional
Plan Details HSA Plan 1
Step 3
HSA Plan
Details HSA Plan 2
Step 4
Results

Results

POTENTIAL SAVINGS WITH :

COST:

See How Increasing Your Annual HSA
Contribution Could Impact Your Savings:

Click to decrease amount. Contribution Amount Yearly Click to increase amount.

Reminder: The IRS sets annual contribution limits. Visit hsabank.com/irs-guidelines for more information.

The Math

COST

EDIT

() Healthcare Visits ($ each)	$
() Prescriptions ($ each)	$
() Healthcare Visit Copays ($ each)	$ (Does Not Apply to Deductible)
() Prescription Copays ($ each)	$ (Does Not Apply to Deductible)
Additional Healthcare Expenses	$
Cost of Healthcare Visits, Prescriptions, and Additional Healthcare Expenses	$ ()
Apply Co-insurance (% After Deductible Met)	$
Amount Paid in Co-pays	$
Total Cost of Medical Expenses (Includes Co-insurance and Co-pays)	$
Annual Premiums	$
HSA Tax Savings	$
TOTAL COST	$

COST

EDIT

() Healthcare Visits ($ each)	$
() Prescriptions ($ each)	$
Additional Healthcare Expenses	$
Cost of Healthcare Visits, Prescriptions, and Additional Healthcare Expenses	$ ()
Apply Co-insurance (% After Deductible Met)	$
Total Cost of Medical Expenses (Includes Co-insurance and Co-pays)	$
Annual Premiums	$
HSA Tax Savings	$
TOTAL COST	$

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