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Use this tool to estimate your annual costs and make an informed decision about which medical plan to choose.

Tell us about you
Enter your expected plan usage

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 menu(s) below. (For definitions of low, medium or high usage, please see the healthcare usage assumptions.) Or, you can create your own scenario under the "My own scenario" tab by customizing the frequency of each type of service. View the cost assumptions that were used.

Note: Specialty medication may significantly increase all healthcare estimations.

Compare how much you'll spend
Coverage level:

Compare how much you'll spend (continued)

*Employees enrolled in the CDHP and POS plans can achieve additional out-of-pocket savings by receiving their medical care at an MIHS provider/facility.

See the impact of using your HSA or FSA

A Health Savings Account (HSA) or Flexible Spending Account (FSA) can help you save on taxes when paying for care and planning ahead for future expenses.
Apply available funding (including company funding) toward the cost of care. I wish to apply available funding (including company funding) toward the cost of care. I do not wish to apply available funding (including company funding) toward the cost of care.
The maximum you can contribute is limited by the IRS. Check the box if you are 55 or older to allow up to $1,000 more to an HSA. I am age 55 or older and qualify for the increased HSA contribution limit.
My desired HSA contribution: .
HSA contribution changed. Scroll up to see updated chart.
My desired FSA contribution: .
FSA contribution changed. Scroll up to see updated chart.
Slide the bars above to see how savings account contributions can help you cover your out-of-pocket healthcare costs.
Unused account funds you could carry over from 2017, if any:
Funds carried over from 2017: .
Carryover amount changed. Scroll up to see updated chart.
Funding to apply toward the cost of care:
Funding sources to apply toward the cost of care:
Cost of care
Before claims
Claim reimbursements
After claims
 
Company funding
Employee funding**
Contribution limit
Company match
Carried over from 2017
Applied to cost of care
Forfeited FSA contribution
Potential rollover amount
**Subject to applicable plan limits.
View your potential tax savings

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

Tax Calculator (continued)

(Exclude you and your spouse)

Use the sliders above to estimate your eligible out‑of‑pocket medical expenses for the upcoming plan year.

Income tax filing status:
Number of dependents:

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