Adulting

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This app is only intended to be used as a guide to help decide which plan to select. It is a simplification, and as such, actual costs and savings may differ from what is presented here. Please visit this calculator's help page for help and explanations.

Medical Plan Comparison 2023

Input

This table demonstrates the relative value of a High Deductible Health Plan (HDHP) vs. traditional health plans.

Traditional (lowest deductible) Traditional (higher deductible) High Deductible
Yearly Premiums
Yearly Premiums
Per-Person Deductible
Per-Person Deductible
Family Deductible
Family Deductible
Per-Person Out of Pocket Max
Per-Person Out of Pocket Max
Family Out of Pocket Max
Family Out of Pocket Max
Coinsurance Rate
Coinsurance Rate
Yearly HSA/FSA contributions
Yearly HSA/FSA contributions
Maximum Rollover
Maximum Rollover
Person 1 Medical Expenses
Person 1 Medical Expenses
Person 1 Copays
Person 1 Copays
Person 2 Medical Expenses
Person 2 Medical Expenses
Person 2 Copays
Person 2 Copays
Person 3 Medical Expenses
Person 3 Medical Expenses
Person 3 Copays
Person 3 Copays
Person 4 Medical Expenses
Person 4 Medical Expenses
Person 4 Copays
Person 4 Copays
Out of Pocket Costs
Out of Pocket Costs
Tax Savings + Interest Gained
Tax Savings + Interest Gained
Grand Total
Grand Total

This plot shows the total cost of the three plans, holding fixed the costs for persons 2 - 4 (if applicable) and person 1's copays, but varying person 1's medical expenses.