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Health plan cost comparison: 2 plans

For open enrollment: compare what two health plans could cost you in 2027, expected and worst case, with your own numbers.

Plan A

Plan name

Premium per paycheck ($)

Paychecks per year

Deductible ($)

Coinsurance (%)

Out-of-pocket max ($)

Employer HSA money ($)

Your HSA contribution ($)

Plan B

Plan name

Premium per paycheck ($)

Paychecks per year

Deductible ($)

Coinsurance (%)

Out-of-pocket max ($)

Employer HSA money ($)

Your HSA contribution ($)

Your year (same for both plans)

Expected allowed cost of care for the year ($)

Your tax rate (%)

Your result

Lower estimate ≠ better plan: check doctors and drugs.

Care = deductible first, then coinsurance, capped at the out-of-pocket max. Copays and separate drug tiers are not included here. Worst case = premiums + out-of-pocket max − employer money − tax saved.

Organizer, not tax/medical/insurance advice. Everything is calculated in your browser; nothing is sent or saved.

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Open Enrollment Benefits Comparison 2027

Compare up to 4 plans with copays and 3 usage scenarios.

Get Open Enrollment Benefits Comparison 2027 US$ 9Instant download. No subscription. Payhip.

How the math works

Care = the smaller of the out-of-pocket max and (cost up to the deductible + coinsurance × the rest). Expected total = premiums + care − employer HSA money − tax saved on your HSA contribution. Example: HDHP at $95 × 26 = $2,470, deductible $2,000, 20%, $2,380 of care: $2,000 + 20% × $380 = $2,076. With $500 from the employer and $2,000 contributed at a 30% tax rate: $2,470 + $2,076 − $500 − $600 = $3,446. Worst case: $2,470 + $4,000 − $500 − $600 = $5,370.

HDHP or PPO: which costs less?

It depends on how much care you use, the employer's HSA money and your tax rate. Run a low-use and a high-use year: the cheaper plan can change between them.

What is the out-of-pocket maximum?

The most you pay for covered in-network care in a year (deductible, copays and coinsurance). Premiums don't count toward it.

Why does the tax rate matter?

HSA contributions through payroll are made before income tax, so each dollar saves your tax rate. At 30%, $2,000 saves about $600.

Organizer, not tax/medical/insurance advice. Examples use made-up numbers.