Please wait — loading
a saved scenario a preset scenario — invalid scenario code ignored
Sorry — an error has occurred:
Use this tool to estimate your annual costs and make an informed decision about which medical plan to choose.
Choose your coverage options
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 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.
Enter your expected plan usage
Think about the amount of health care 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 .
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.
Compare annual costs for plans
Coverage level:
One or more plans below is excluding funding that would reduce the cost of care.
Based on your inputs and what you indicated matters most to you, the plan with
the lowest annual medical contributions is thethe lowest estimated out-of-pocket costs 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.
When you enroll in the Copay plan, PayPal will fund a Health Reimbursement Account (HRA)
through HealthEquity equal in amount to your annual deductible ($500 for individuals and $1,200 for family)
that can be used to pay for medical and prescription drug expenses eligible for coverage under the plan.
Compare how much you'll spend (continued)
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.
I am age 55 or older and qualify for the increased HSA contribution limit.
Your (2024 CDHP participants):
Your HSA carryover amount (2024 CDHP participants): .
Carryover amount changed. Scroll up to see updated chart.
If you choose the CDHP, .
HSA:
Your proposed for 2025:
Your proposed HSA contribution for 2025: .
HSA contribution changed. Scroll up to see updated chart.
FSA:
Your proposed
for 2025:
Your proposed FSA contribution for 2025: .
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 health care costs.
Unused account funds you could carry over from 2024, if any:
Unused account funds carried over from 2024: .
Carryover amount changed. Scroll up to see updated chart.
.
Savings account funding
Cost of care
Before claims
Claim reimbursements
After claims
PayPal funding
HSA carried over from 2024
Employee funding*
Employee funding*
(to be determined next)
Contribution limit
Company match
Company funding
Carried over from 2024
HSA carried over from 2024
(to be determined next)
Total funding
Applied to cost of care
:
Forfeited excess rollover
Potential rollover into 2026
*Subject to applicable plan limits.
Employee plan premiums by pay period:
Paid weekly
Paid monthly
Based on your inputs and what you indicated matters most to you, the plan with
the lowest employee annual premiums is thethe lowest estimated out-of-pocket costs 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.
Give us your feedback
We'd love to know if this tool was helpful. Feedback is optional and anonymous.
View your potential tax savings
When you finish estimating your health care costs, use the results to help decide whether contributing to a
plan's tax-advantaged savings account can help you save on taxes. Select the plan you would like to model in
the dropdown menu below and then click "Show the tax estimator".
Tax Calculator
Note that if you cover a domestic partner under your health plan, your domestic partner's health care
expenses may not be eligible for reimbursement by the Health Care Flexible Spending Account (FSA) or
Health Savings Account (HSA).
If you decide to enroll in the HSA for 2025, your Limited-Purpose Health Care FSA (LPFSA) election option
in 2024 will be limited to reimbursement of dental and vision expenses only.
Note that if you cover a domestic partner under your health plan, your domestic partner's health care
expenses are not eligible for reimbursement by the Limited-Purpose Health Care Flexible Spending Account
(LPFSA) or Health Savings Account (HSA).
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 sliders 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 this tool.
Please click on Try again below to access the terms of use again.
Sorry, but this tool will not work in Internet Explorer.
Please access the tool again using a modern browser.
{{ title }}
:
Copays
Deductibles
+
Coinsurance
+
Not covered
+
Funds used
–
Notes:
No deductible limit has been met
At least one deductible limit has been met
No out-of-pocket maximum has been reached
At least one out-of-pocket maximum has been reached
Only company funds applied.
Only employee funds applied.
No funds applied.
Employee's base annual medical contributions
Tobacco use surcharge
Spouse/DP surcharge
Company wellness rewards
Employee's net annual medical contributions
Company's base annual medical contributions
Company wellness rewards
Company's net annual medical contributions
:
Welcome to the Medical Plan Cost Estimator tool. The purpose of this tool is to assist you in choosing
a medical plan and understanding the advantages of tax-free accounts by helping you estimate your annual
medical expenses.
We respect your privacy. None of the information you use to calculate your out-of-pocket costs is
collected or tracked, including your expected annual medical care expenses. When you navigate away from the
Medical Plan Cost Estimator tool, your information is automatically discarded. You can print your selections
and criteria from the Medical Plan Cost Estimator tool. Please keep your printouts secure and use caution
when printing to shared printers.
By using this tool, you are agreeing that you understand and accept the following:
Estimates are based on regional average medical cost data and most of the specific provisions of PayPal health coverage options. 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 they 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. Use of this tool does not enroll you in a health plan option, the
Health Savings Account or Flexible Spending Account.
If you do not accept these terms, you will not be able to access the site.
The Medical Plan Cost Estimator is designed to give you a general idea of what your annual costs might be under
each of the plan options based on:
The services you think you and other covered family members will use during the year.
The estimated annual cost of care in the geographic area you select, using provider rates for in-network
care costs.
Important legal information
This tool is a financial comparison tool that allows you to estimate relative annual costs across your
health coverage options. Estimates are based on regional average medical cost data and most of the
specific provisions of PayPal health coverage options. 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 they 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. Use of this tool does not enroll you in a health plan option,
the Health Savings Account or Flexible Spending Account. 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 deleted when you close your browser.
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.
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 tool uses the following healthcare cost assumptions for :
Please note that the estimates are based on regional average health care costs.
Because costs can vary by provider, your actual costs may differ from the
regional averages used by this Cost Estimator.
Unit costs above represent the average allowed charge for each service. The
allowed charge is the amount of submitted charges eligible for payment for
all claims according to health plan documents/contracts. Specifically, it
is the amount eligible after applying pricing guidelines, but before deducting
third party, copayment, coinsurance, or deductible amounts. The allowed charge
represents the amount a plan will consider for adjudication for a covered
service. The unit costs above include network and non-network services.
In the event of any discrepancy between the information contained in this
tool and official plan documents, the latter shall govern in all cases.
The Medical Plan Cost Estimator is designed to give you a general idea of what your costs might be
under each of your plan options.
Domestic Partners and Tax-Advantaged Accounts
If you cover a domestic partner under your health plan, note that your domestic partner's health care
expenses are not eligible for reimbursement by the Health Care Flexible Spending Account (FSA) or
Health Savings Account (HSA).
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.
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's visits a year.
medical usage
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
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
prescription usage
prescription usage
If you participated in the Consumer Directed Health Plan (CDHP) with Health Savings Account (HSA)
option in 2024, please select your estimated HSA carryover for 2025, if any. Keep in mind, if you
don't use all of your current year's HSA funds, what remains will roll over to your HSA for the
following plan year.
If you enroll in the Consumer Directed Health Plan (CDHP), PayPal deposits funds into your Health
Savings Account (HSA) to help you pay for your health care. For 2025, PayPal will deposit $500
in your HSA if you enroll for individual coverage under the CDHP, and $1,000 if you enroll dependents under the CDHP.
If you'd like to see how these would affect your costs under the CDHP, please select an estimated contribution
amount for 2025. Keep in mind, if you don't use all of your current year's HSA funds, what remains will roll
over to your HSA for the following plan year.
PayPal provides an annual contribution towards your HSA of $500 for employee-only coverage and $1,000 for
employees with covered dependents. The 2025 contribution maximum, including the company's employer contribution,
is $4,300 for employee-only and $8,550 for employee-plus-dependent coverage. An additional $1,000 can be
contributed if the account holder is 55 years old or older.
You can contribute up to $3,300 in a FSA.
You can only carry over a maximum of $660 of unused FSA funds into 2025.
*The 2025 FSA contributions have not yet been released and are due to change.
Each of the plans offers an associated savings account: either a Health Savings Account (HSA), or a
Flexible Spending Account (FSA). You can fund these accounts with pre-tax earnings, and then use the
funds during the plan year for reimbursing some of your out-of-pocket costs (deductibles, copays, and
coinsurance) and other eligible medical, vision, and dental expenses. This could help you save on taxes.
Health Savings Account (HSA)
For the HSA, funds that you don't use during the plan year remain yours and are carried over. HSA funds
can be invested, and your money grows tax-free, similar to a retirement account. You can use the funds to
pay for eligible health care expenses now or in retirement. To contribute to an HSA, you must be covered
under a high-deductible health plan (HDHP).
Flexible Spending Account (FSA)
For the FSA, funds are subject to a "use it or lose it" rule. For this reason, you should estimate your
FSA contribution carefully. Any FSA balance not spent at the end of the plan year is forfeited. In some
cases, a limited amount of unused FSA funds may be carried over. Be sure to check the specific rules.
See also
"What is an HSA?" and "What is an FSA?" in the
.
Medical Plans
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 healthcare 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.
Dental Plans
Carefirst BCBS
UnitedConcordia PLUS DHMO
Cigna
Calendar Year Deductible (you pay)
In-Network:
$0
Out-Of-Network:
$50
N/A (No deductibles)
In-Network:
$0
Out-of-Network:
$50 individual /
$100 family
Class I: Diagnostic and Preventive (cleanings, X-rays, office visits)
100% of allowable charges
Based on fixed copayment fee schedule.
Exams/evaluations are a $5.00 copay.
Most other Class 1 services are provided with a $0 copay
100% of contracted rate
Class II: Basic Services (fillings, root canals, periodontics, oral surgery)
In-Network:
75% of allowable charges
Out-of-Network:
75% of allowable charges; subject to deductible
Based on fixed copayment fee schedule. Subject to plan Exclusions and Limitations.
In-Network:
75% of contracted rate
Out-of-Network:
75% of reasonable & customary; subject to deductible
Class III: Major Services (dentures, crowns, bridges)
In-Network:
50% of allowable charges
Out-of-Network:
50% of allowable charges; subject to deductible
Based on fixed copayment fee schedule. Subject to plan Exclusions and Limitations.
In-Network:
50% of contracted rate
Out-of-Network:
50% of reasonable & customary; subject to deductible
Class I, II, & III, Calendar Year Maximum Benefit
$1,500 combined
Annual maximums do not apply
$1,500 combined
Orthodontia
50% of allowable charges
You pay up to $2,900 (2-year case)
50% of contacted rate
Lifetime Maximum Benefit for Orthodontia
$1,500 total for in and out-of-network orthodontia services
Annual maximums do not apply
$1,500 total for in and out-of-network orthodontia services
Want a better understanding of your health benefits? All it takes is a minute or two! These short videos
explain key terms and concepts.
Learn more about health benefit terms and concepts in the
.
Learn more about health benefit terms and concepts in the
.
