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HSA-Aware · Free
HDHP + HSA vs. PPO — which one actually costs you less?
The premium difference is a trap. Run the full math — premiums + out-of-pocket + HSA tax shield — based on what you actually expect to spend on care this year.
Your situation
Doctor visits, Rx, ER, etc.
$
Federal + state combined
Only counts if you pick HDHP
$
HDHP + HSA
Cheaper$
$
$
%
- Annual premiums
- $2,640
- Expected out-of-pocket
- $3,100
- Net annual cost
- $5,260
+ HSA tax savings: $480
Traditional PPO
$
$
$
%
- Annual premiums
- $5,760
- Expected out-of-pocket
- $1,500
- Net annual cost
- $7,260
Winner for your scenario
HDHP saves you $2,000/yr
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Reality check: this assumes in-network care and ignores copay variations. HDHPs also come with the HSA triple-tax advantage (deductible going in, tax-free growth, tax-free for medical) — a long-term lever this calculator only partially captures.