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Benefits

HDHP vs HSA Calculator.

Compare a High-Deductible Health Plan plus HSA against a traditional PPO. Enter your plan details to find the exact healthcare expense level where each plan wins.

Break-even annual healthcare spending where HDHP and PPO total costs are equal
HSA tax advantage in dollars including federal, state, and FICA savings on contributions
Net annual cost difference between plans at your expected spending level

2026 IRS Revenue Procedure 2025-19

Monthly Premiums

Your HDHP PremiumHDHP

$/mo

Your PPO PremiumPPO

$/mo

Deductibles

HDHP DeductibleHDHP

PPO DeductiblePPO

Out-of-Pocket Maximums

HDHP OOP MaxHDHP

PPO OOP MaxPPO

HSA & Tax

Your HSA Contribution

Employer HSA Contribution

Marginal Tax Rate

Your Situation

Expected Annual Healthcare Expenses

Plan Comparison$2,000 expected expenses

Plans Cost Equally

$1,240/yr

HDHP + HSA wins at low expense levels

Break-Even Expenses

$3,800

Premium Savings

$2,400

HSA Tax Savings

$1,232

HDHP + HSA Annual Total

$4,760

PPO Annual Total

$6,000

Premium Savings (HDHP)

$2,400

HSA Tax Deduction Value

$1,232

HDHP vs PPO Break-Even by Premium Savings and Expected Expenses

Monthly Premium Savings	HSA Tax Savings	Break-Even Expenses	HDHP Advantage If Healthy
$100/mo	$1,200	$2,400	$840/yr
$200/mo	$1,200	$3,800	$1,840/yr
$300/mo	$1,600	$5,200	$3,200/yr
$400/mo	$1,600	$6,600	$4,400/yr

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Frequently Asked Questions

About the hdhp-hsa

To determine if an HDHP is better than a PPO: add annual premium savings from the HDHP, add the HSA tax savings (your HSA contribution × your marginal tax rate), then subtract the additional deductible exposure. If the total of premium savings plus HSA tax savings exceeds your additional out-of-pocket risk, the HDHP wins at your expected expense level.

The break-even expense level is where both plans cost the same in total annual spending.

For 2026, the HSA contribution limit is $4,400 for individual coverage and $8,750 for family coverage (IRS Rev. Proc.

2025-19). Individuals age 55 and older can contribute an additional $1,000 catch-up contribution - a fixed amount that does not adjust for inflation.

These limits include both your contributions and any employer contributions. The tax deduction applies to all contributions up to the limit regardless of whether you itemize.

For 2026, an HDHP must have a minimum deductible of $1,700 for individual coverage and $3,400 for family coverage. The annual out-of-pocket maximum cannot exceed $8,500 for individual coverage and $17,000 for family coverage.

If your employer's HDHP meets these thresholds, you are eligible to open and contribute to an HSA.

Healthy individuals with low expected healthcare expenses nearly always come out ahead with an HDHP plus HSA. The premium savings are guaranteed; the deductible exposure is a risk that only materializes if you actually need care.

If your premium savings exceed $1,500/year and your expected expenses are under $3,000, the HDHP is typically the better financial choice — even accounting for the deductible gap.

Yes — HSA funds can be invested in mutual funds, ETFs, and other securities once your balance exceeds a threshold (typically $1,000). HSA contributions grow tax-free, and qualified medical withdrawals are also tax-free.

After age 65, non-medical withdrawals are taxed as ordinary income but no penalty applies — making the HSA functionally equivalent to a traditional IRA for non-medical expenses. For high earners, maxing the HSA annually and investing the funds is one of the most tax-efficient strategies available.

Important Disclaimer

CalcMoney provides educational financial calculators for informational purposes only. Results are mathematical estimates based on the inputs you provide and do not constitute financial, tax, legal, or investment advice. Actual results may vary based on lender terms, tax regulations, market conditions, and individual circumstances. Always consult a qualified financial professional before making major financial decisions.

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Sources and last checked

IRS COLA table (401k/IRA/SIMPLE, Notice 2025-67) + Rev. Proc. 2025-19 (HSA/HDHP) + IRS.gov Roth IRA phase-out announcement, checked Sep 8, 2026

This calculator's figures come from these sources. We re-check them when new figures are published.

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