Choosing a plan · 2026
HDHP vs PPO Calculator
Model premium and cost sharing for an HSA-qualified HDHP and another plan, then add a simplified federal tax estimate for an eligible HSA contribution. Eligibility, state tax, payroll treatment, services, networks, and plan terms can change the comparison.
Common questions
Why do HDHPs have a different out-of-pocket maximum?
HSA-qualified high-deductible plans are governed by IRS rules with their own ceilings — $8,500 self-only and $17,000 family for 2026 — which are lower than the general ACA limits of $10,600 and $21,200. A plan subject to both must satisfy the lower one. Mixing the two sets up is a very common error.
What is the catch with an HDHP?
Timing and liquidity matter. A modeled annual total does not show when a large bill may arrive or whether the HSA has been funded. Compare the deductible and other early-year costs with cash available, without treating the calculator as a plan recommendation.
Is the HSA really that valuable?
Eligible HSA contributions can receive federal tax advantages, and qualifying employer or cafeteria-plan payroll contributions may be exempt from federal income, Social Security, and Medicare taxes. Eligibility, contribution method, state treatment, and qualified distributions must be checked separately.