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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 healthcare plan

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 annual medical contributions. This is the amount that is deducted from your paycheck to maintain enrollment in a medical plan.

In the results, the tool will highlight the plan with the lowest estimated out-of-pocket costs. This is the medical expenses that you will be responsible for paying, including deductibles, coinsurance, and copays and any services not covered by the health plan.

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.) This is your annual medical contributions plus estimated out-of-pocket costs combined.

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.) This is the maximum total medical cost you could pay in one year, which is your annual medical contributions plus out-of-pocket maximum.

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. Only one medical plan, the Meritain CDHP with HSA, comes with access to a Health Savings Account, which lets you save pretax dollars for eligible medical expenses.

Estimate your health care usage

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 .

Compare annual costs for plans
Coverage level:

 

Based on your inputs and what you indicated matters most to you, the plan with the lowest annual medical contributions is the the lowest estimated out-of-pocket costs is the the lowest estimated employee total costs is the lowest estimated employee worst case total costs is the access to an HSA with the lowest estimated employee total costs is the access 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 (2023 CDHP participants):
Your HSA carryover amount (2023 CDHP participants): .
Carryover amount changed. Scroll up to see updated chart.

If you choose the CDHP, .

HSA:
Your proposed for 2024:
Your proposed HSA contribution for 2024: .
HSA contribution changed. Scroll up to see updated chart.
FSA:
Your proposed for 2024:
Your proposed FSA contribution for 2024: .
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.

 .

Cost of care
Before claims
Claim reimbursements
After claims
 
PayPal funding
HSA carried over from 2023
Employee funding*
Employee funding (to be determined next)
Contribution limit
Company match
Company funding
HSA carried over from 2023 (to be determined next)
Total funding
Applied to cost of care
Forfeited excess rollover
Potential rollover into 2025
*Subject to applicable plan limits.

Did you find this comparison useful?

Employee plan premiums by pay period:
 
Paid weekly
Paid monthly
Find out how you can save on taxes

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 2024, 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:

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:
Copays
Deductibles+
Coinsurance+
Not covered+
 
Funds used–
 
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.

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:

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 healthcare 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 employee type. Annual employee premiums will vary based on your selection.

To qualify for favorable deductions, each individual indicated must have:

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 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 doctor's visits and perhaps an inpatient hospital stay.

prescription usage

prescription usage

prescription usage

If you participated in the Consumer Directed Health Plan (CDHP) with Health Savings Account (HSA) option in 2023, please select your estimated HSA carryover for 2024, 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.

To check your current HSA balance, visit http://www.healthequity.com/ed/paypal

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 2024, 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 2024. 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 2024 contribution maximum, including the company's employer contribution, is $4,150 for employee-only and $8,300 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 $3,050* in a FSA.

You can only carry over a maximum of $610 of unused FSA funds into 2025.

*The 2024 FSA contributions have not yet been released and are due to change.

Meritain Copay Plan
The Meritain Copay Plan is available nationally to all eligible PayPal employees. With the Meritain Copay Plan, you have the flexibility to see providers within or out of the Meritain network.

You'll pay the cost of most health care services you use until you meet your deductible. Once you've met your deductible, you and PayPal will share the cost of any additional services you use throughout the year.

If you are in Pay Grades 15-19, 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.

Meritain CDHP with HSA
The Meritain Consumer Directed Health Plan (CDHP) with Health Savings Account (HSA) is a high deductible health plan available to all eligible PayPal employees. With the CDHP, you have the flexibility to see providers within or out of the Meritain network.

You'll pay the cost of most health care services you use, including prescription drug costs, until you meet your deductible. Once you've met your deductible, you'll pay a portion of the cost of any additional services you use throughout the year (10% for in-network services and 30% for out-of-network services). The plan will pay the rest. You can also use HSA funds to pay for your share of these costs.

PayPal provides an annual contribution towards your HSA of $500 for employee-only coverage and $1,000 for employees with covered dependents. The 2024 contribution maximum, including the company's employer contribution, is $4,150 for employee-only and $8,300 for employee-plus-dependent coverage. An additional $1,000 can be contributed if the account holder is 55 years old or older.

Please note: If you cover a domestic partner under your health plan, your HSA funds may not be able to be used for your domestic partner's health care expenses.

Kaiser Permanente California HMO
With the HMO, you'll pay a set amount for any health care services you use. You may not have a deductible, but premiums may be higher. Only in-network providers will be covered. Out-of-network services (with the exception of emergency room visits in cases of true emergency) are not covered by the plan. The Kaiser HMO plan is only available in California.

HMSA PPO
The HMSA PPO plan is only available to PayPal employees residing in Hawaii. Both in-network and out-of-network services are covered by this plan. However, you will pay a lower amount if you receive services from an in-network provider than if you receive services from an out-of-network provider. If you live in Hawaii, this is the only plan available to you through PayPal benefits.

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.

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