Please wait — the Medical Plan Cost Estimator is loading
Use this tool to estimate your annual costs and make an informed decision about which medical plan to choose.
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Choosing a healthcare 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 out-of-pocket costs.
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.
Think about the amount of healthcare that you and any covered family members may need in the coming year. Use the menu(s) below to select from a variety of "quick scenarios". 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. You can also view the ; your experience may differ.
This tool does not take into account amounts a provider may charge above the approved
Compare how much you'll spend (continued)
See the Impact of Using Your HSA, FSA, or HRA
Contributing to 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.
If you enroll in the 2024 Enhanced Standard Option, you'll automatically receive a Health Reimbursement Account (HRA) you may use for qualified expenses.
I am age 55 or older and qualify for the increased HSA contribution limit.
Slide the bars above to see how your contributions can help you cover your out-of-pocket healthcare costs, tax-free.
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Cost of care | |
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Before claims | |
Claim reimbursements | |
After claims | |
University funding (for HRA and HSA) | |
Your funding* | |
Your funding* | (to be determined next) |
Contribution limit | |
University match | |
University funding (for HRA and HSA) | |
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 plan limits. |
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Paid monthly |
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".
* The potential tax savings shown is just an estimate and is not tax guidance. Please contact a personal tax advisor.
† The maximum contribution you may make has been reduced by the University's funding amount.
Tax Calculator (continued)
Income tax filing status: | |
Number of dependents: | |