Choosing between a PPO and a high-deductible health plan often comes down to a guess about how much you’ll spend on medical care this year. This calculator runs the actual math, including the tax savings from HSA contributions, so you can see where the breakeven falls for your specific plan numbers.

Enter your premiums, deductible, coinsurance, and out-of-pocket maximum for both plans, along with your expected HSA contribution and tax bracket. The calculator shows your net cost at different spending levels. In many cases, the HDHP wins even when the deductible looks scary on paper.

Prefer to see the raw formulas? Here’s a view-only spreadsheet version you can copy and edit with your own numbers.

Want the full reasoning, including real plan examples and how HSAs work as a stealth retirement account? Read the guide