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Use this tool to estimate your annual costs and make an informed decision about which medical plan to choose.
Step 1: Tell us about you
Coverage level selected:
Coverage level selected:
Tell us what's most important to you about a health care plan
Choosing a health care plan can be a balancing act. Some people may prefer plans with lower premiums, while others
may prefer plans with lower anticipated total costs. Another factor that might matter is whether a plan offers an
associated savings account. What matters most to you?
In the results, the tool will not highlight any specific plan.
In the results, the tool will highlight the plan with the lowest employee annual premiums.
In the results, the tool will highlight the plan with the lowest estimated employee total costs (i.e.
including an estimate for anticipated out-of-pocket costs.)
In the results, the tool will highlight the plan with the lowest estimated employee worst case total costs
(i.e. including an estimate for potential worst case out-of-pocket costs.)
In the results, the tool will highlight the plan with access to a Health Savings Account (HSA)
that has the lowest estimated employee total costs.
In the results, the tool will highlight the plan with access to a Flexible Spending Account (FSA)
that has the lowest estimated employee total costs.
Step 2: Tell us about your and your family's health care needs for the coming year
Think about the amount of medical care you and any covered family members may need in the coming year.
You can select a "Quick Scenario" using the dropdown menu(s) below.
(For definitions of low, medium, or high usage, please view the
.)
For definitions of the different usage levels, please see the
and the
.
Or, you can create your own scenario under the "My own scenario" tab by customizing the frequency of
each type of service.
that were used.
Tip: Creating your own scenario works best on wider screens. If you're on a mobile device,
consider rotating your device to landscape mode while using the modeling interface.
Step 3: See what you will spend annually
Coverage:
Hover over each part of the bars below to see the dollar amounts.
Based on your inputs and what you indicated matters most to you, the plan with
the lowest employee annual premiums is thethe lowest estimated employee total costs is thelowest estimated employee worst case total costs is theaccess to an HSA with the lowest estimated employee total costs is theaccess to an FSA with the lowest estimated employee total costs is the
.
No plan matched your specified criteria.
The cost of care (out-of-pocket costs) in the graph above has been reduced by the H&R Block HSA contribution.
See what you will spend annually (continued)
Budgeting with a Health Savings Account (HSA) or a Flexible Spending Account (FSA)
Each plan option has an associated tax-advantaged account that you can fund to help pay for
eligible medical expenses. Move the sliders to see the difference that HSA or FSA contributions
can make in helping you budget for your out-of-pocket costs.
I'm age 55 or older and I want to contribute more to my HSA as the law allows (up to an additional $1,000).
HSA:
My desired HSA contribution: .
HSA contribution changed. Scroll up to see updated chart.
FSA:
My desired FSA contribution: .
FSA contribution changed. Scroll up to see updated chart.
Unused account funds you could carry over from 2023, if any:
Funds carried over from 2023: .
Carryover amount changed. Scroll up to see updated chart.
.
Cost of care
Before claims
Claim reimbursements
After claims
H&R Block funding
Associate funding*
Employee funding
(to be determined next)
Contribution limit
Company match
Company funding
Carried over from 2023
Carried over from 2023
(to be determined next)
Total funding
Applied to cost of care**
Forfeited excess rollover
Potential rollover amount
*Subject to applicable limits.
**This includes the H&R Block HSA contribution.
Did you find this comparison useful?
Employee plan premiums by pay period:
Paid weekly
Paid monthly
Step 4: Find out how you can save on taxes
When you finish estimating your health care costs, use this tax calculator to see the benefits of contributing
to a plan's tax-advantaged savings account. Select a plan in the dropdown menu below and then click "Show the
tax calculator".
Tax Calculator
Plan: Plan Name
* The maximum contribution you may make has been reduced by the company's funding amount.
Tax Calculator (continued)
(Exclude you and your spouse)
Use the slider above to estimate your eligible out‑of‑pocket medical expenses for
the upcoming plan year.
Income tax filing status:
Number of dependents:
You must accept the "Terms of Use" to access the Medical Plan Cost Estimator.
Please click on "Try again" to re-access the "Terms of Use".
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Please access the tool again using a more recent browser.
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:
Copays
Deductibles
+
Coinsurance
+
Not covered
+
Funds used
–
Associate's base annual premiums
Tobacco use surcharge
Spouse/DP surcharge
Company wellness rewards
Associate's net annual premiums
Company's base annual premiums
Company wellness rewards
Company's net annual premiums
:
Welcome to the H&R Block Medical Plan Cost Estimator for 2024. The purpose of this tool is to assist
you in estimating your annual out-of-pocket medical expenses, and to help you choose the H&R Block medical
plan that best suits your needs.
We respect your privacy. None of the information you use to calculate your out-of-pocket costs is
collected or tracked, including your household income, tax filing status or annual medical requirements.
Household income and tax filing status are necessary to calculate the appropriate tax savings for a Health
Savings Account. When you click "Reset" or navigate away from the H&R Block Medical Plan Cost Estimator, your
information is automatically discarded. You can print your selections and criteria from the Medical Plan
Cost Estimator. Please keep your printouts secure.
By using this tool, you are automatically agreeing that you understand and accept the following:
Estimates are based on national average medical cost data and most of the specific provisions of the medical
coverage options provided by H&R Block. Because costs vary by provider and not all option details are included,
actual costs will vary from the costs the Medical Plan Cost Estimator provides. Actual costs may also vary based on
the order in which services are incurred and by the specific family member using a service (if applicable). In the
event of any contradiction between the information contained in this tool and the Plan Documents, the Plan Documents
shall govern in all cases.
If you do not accept these terms, you will not be able to access the site.
This tool is designed to help you choose the medical plan that is right for you in two easy steps. The first step is
to tell us about you by selecting the appropriate answer to each of the 4 questions in Step 1.
The second step is to tell us about your and your family's health care needs for the coming year by selecting
whether you expect your medical needs to be low, medium, or high. Then, if you wish, use the drop down menus to change your
expected care for yourself and each member of your family. Each service has a maximum frequency of visits in the low,
medium and high usage categories that can be divided between you and your family members.
Once you provide this information, you will be able to see an estimate of what you will spend annually for the
next plan year with each medical plan option.
Use the Budgeting with a Health Savings Account (HSA) or a Flexible Spending Account (FSA) section to consider
how much you should contribute tax-free to cover your expected medical expenses.
Optimal Viewing
This tool is designed for optimal performance in recent versions of Google Chrome, Mozilla Firefox,
Microsoft Edge, and Apple Safari. If you are using an earlier version or a web browser not listed, you
may experience errors or be unable to use the tool. In this case, please access the tool again using
one of the listed web browsers. For best viewing, set the screen resolution to 1024 x 768 or higher.
Results are based on your projected expenses. You should also consider your level of comfort with risk
and the possibility of unforeseen expenses
Results only show your total cost. They do not take into account the total cost of claims or
H&R Block’s contribution to the cost of your coverage and care.
Costs for medical services assume that you receive care from in-network providers.
Costs for medical services are based on national averages and may be higher or lower depending on where you live.
“My premiums” refers to your total annual pre-tax associate medical payroll deductions.
“Out of pocket” refers to your cost of care including deductible, coinsurance and expenses that the plan
doesn’t cover (i.e., infertility).
Tax calculator results reflect the expected reduction in tax liability that comes from contributing to a
Health Savings Account (HSA) or Flexible Spending Account (FSA). This amount is determined by the tax filing
status and household income you indicated.
Please note: This Medical Plan Cost Estimator is a financial comparison tool that allows you to estimate relative costs across your
medical options. Estimates are based on national average medical cost data and most of the specific provisions of the
medical coverage options provided byH&R Block. Because costs vary by provider and not all option details are included, actual costs will vary from the
costs the Medical Plan Cost Estimator provides. Actual costs may also vary based on the order in which services are incurred
and by the specific family member using a service (if applicable). In the event of any contradiction between the
information contained in this Medical Plan Cost Estimator and the Plan Documents, the Plan Documents shall govern in all cases.
To protect your privacy, your entries are not systematically tracked. Please remember to print any scenarios you
want to look at later; your information is lost when you leave this tool or go to another Web page.
Please note: This Medical Plan Cost Estimator is a financial comparison tool that allows you to
estimate relative costs across your medical options. Estimates are based on national average medical cost data and
most of the specific provisions of the medical coverage options provided by H&R Block. Because costs vary by
provider and not all option details are included, actual costs will vary from the costs the Medical Plan Cost Estimator
provides. Actual costs may also vary based on the order in which services are incurred and by the specific family
member using a service (if applicable). In the event of any contradiction between the information contained in this
Medical Plan Cost Estimator and the Plan Documents, the Plan Documents shall govern in all cases. To protect
your privacy, your entries are not systematically tracked. Please remember to print any scenarios you want to look at
later; your information is lost when you leave this tool or go to another Web page.
This tool does not store your personal information nor your expected health care usage in any database.
Such information is automatically discarded when you navigate away from this tool.
You can preserve your modeled scenario for later use by bookmarking the URL shown below. Your selections are
encoded in this URL, so do not share it with others if you wish to keep private any details in your scenario.
Here's a text version if you would prefer to copy and paste the URL:
This scenario URL might not be valid in a future version of this tool, so consider also printing
your results using the "Print" link found within the tool. Please keep your printouts secure and use
caution when sending to shared printers.
The following cost assumptions are used in the tool:
Please note that the estimates are based on average health care costs.
Because costs can vary by provider and by region, your actual costs
may differ from the national averages used by this Cost Estimator.
In the event of any discrepancy between the information contained in this
tool and official plan documents, the latter shall govern in all cases.
Please select the group that applies to you.
Indicate whether you would like to include coverage for yourself, or for yourself and a
spouse or domestic partner.
If you have more than five children, consider combining expenses for children to estimate your total family costs.
Please select the region that best represents where you live. While costs vary somewhat from region to
region, the differences are generally not significant and may not affect your overall results.
Please indicate your salary band. Annual employee premiums will vary based on your selection.
To qualify for favorable deductions, each individual indicated must have:
completed a well-being assessment by the deadline, and
completed a health screening by the deadline.
A premium surcharge may apply if an indicated individual is a tobacco user and
has not participated a smoking-cessation program.
A premium surcharge may apply if your spouse/domestic partner is offered medical coverage through
his or her employer but you choose to cover him or her instead.
Select "No" if your spouse/DP does not work or is not eligible for medical coverage through
his or her employer. The surcharge would not apply.
Select "Yes" if your spouse/DP is eligible for medical coverage through his/her employer and
is not enrolled in his or her employer's plan. The surcharge would apply.
health care user means that you and your family typically only use
your medical coverage for preventive care (i.e., some lab tests and preventive prescription drugs) and one or two
doctor visits a year.
health care user means that you and your family see the doctor a
few times a year for an illness, an injury or a chronic condition and incur prescription drug costs.
health care user means that you and your family use your medical
coverage to manage a complex condition, injury or procedure that requires a number of doctors' visits, prescription
drugs on a regular basis and perhaps an inpatient hospital stay.
medical usage means that you and your family typically only use
your medical coverage for preventive care (e.g. some lab tests) and one or two doctor visits a year.
medical usage means that you and your family see the doctor a
few times a year for an illness, an injury or a chronic condition.
medical usage means that you and your family use your medical
coverage to manage a complex condition, injury or procedure that requires a number of doctors' visits and perhaps
an inpatient hospital stay.
prescription usage
prescription usage
prescription usage
[Information about savings account options could go here]
In order to estimate the cost of care ("out-of-pocket costs") and other amounts displayed in the plan comparison chart,
the Medical Plan Cost Estimator applies certain plan provisions to your selected health care usage assumptions and the
contained in the tool. For your convenience, the table below describes the plan provisions modeled by this tool.
This table describes only the subset of plan provisions and services that are modeled in this tool and
is not a substitute for plan documents. For complete terms and conditions, refer to official plan documents.
In the event of any discrepancy between information contained in this tool and official plan documents, the
latter shall govern in all cases.
