Compare two health plans for a year of expected care.
Covers: health plan, open enrollment, hdhp, ppo, deductible, hsa, insurance.
Open the Health Plan Chooser tool →For the medical spending you expect this year, each plan costs its premiums (monthly × 12) plus your share of the care: you pay in full up to the deductible, then the coinsurance percentage above it, with your total out-of-pocket on care capped at the out-of-pocket maximum. We total both plans and show which is cheaper at that level of spending.
Try a low and a high spend year to see how the answer changes: a low-premium high-deductible plan often wins in a healthy year and loses in an expensive one. A high-deductible plan may also unlock a tax-advantaged HSA, which can tip the decision.
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