HSA vs PPO Calculator

Your employer offers a high-deductible plan with an HSA and a PPO. Which one costs you less this year, in a light, a typical and a bad year, once premiums, employer HSA money and 2026 taxes are counted? And if you invest the HSA instead of spending it, what could it be worth by 65? Runs in your browser; we don't store what you enter.

Your two plans

What each plan costs you, by medical spending

The HSA year by year: contributions, growth, withdrawals, balance and saved receipts
Age	You put in	Employer	Growth	Paid out	Balance	Balance, today's $	Receipts saved, today's $

This year: what could change the answer

Each row changes one thing. Costs are for the whole year, after the tax each plan saves you.

Each plan's yearly cost after tax under each scenario
Scenario	High-deductible + HSA	PPO	Difference	Cheaper

The long run: what the HSA is worth

What the HSA is worth under each way of using it, in today's dollars
How it's used	Worth, today's $

What this leaves out

Which insurer or plan is better. This compares the costs of two plans you already have; it doesn't rate insurers, networks or drug lists. A doctor you need being in one network can outweigh every number here.
Your real bills. Care is one yearly total at the plan's prices. Real plans have separate drug tiers, family members with their own deductibles inside a family plan, and services with their own rules.
Limited-purpose FSAs (dental and vision only), which can sit alongside an HSA, and HSA eligibility when you have other coverage (a spouse's general-purpose FSA, Medicare, TRICARE, VA care in some cases).
Medicare's six-month look-back: if you apply for Medicare or Social Security after 65, Part A starts up to six months earlier, and HSA money put in for those months is an excess contribution. Stop contributing six months before you apply.
Part-year coverage and the "last-month rule"; the slightly lower Social Security benefit that comes from paying less payroll tax.