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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
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 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.

Enter your expected plan 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 . 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 . There are tax implications for covering a domestic partner. Domestic partner premiums are paid on a post-tax basis, and imputed income applies.

Compare how much you'll spend
Coverage level:

Compare how much you'll spend (continued)

Based on your inputs and what you indicated matters most to you, the plan with the lowest employee annual premiums 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.

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.

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.

Slide the bars above to see how savings account contributions can help you cover your out-of-pocket healthcare costs. Dental and vision costs aren't included in the illustrated FSA calculation, though they should be considered when electing an FSA.

Unused account funds you could carry over from 2022, if any:
Funds carried over from 2022: .
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*
Employee funding (to be determined next)
Contribution limit
Company match
Company funding
Carried over from 2022
Carried over from 2022 (to be determined next)
Total funding
Applied to cost of care
Forfeited excess rollover
Potential savings amount
*Subject to applicable plan limits.

Did you find this comparison useful?

Employee plan premiums by pay period:
 
Paid weekly
Paid monthly
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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:
Copays
Deductibles+
Coinsurance+
Not covered+
 
Funds used–
 
Employee's base annual premiums
Tobacco use surcharge
Spouse/DP surcharge
Company wellness rewards
Employee's net annual premiums
Company's base annual premiums
Company wellness rewards
Company's net annual premiums
:

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 national average medical costs, with the exception of Massachusetts and California which are based on regional averages. Because costs vary by provider and not all service details are included, actual costs may differ from what is shown in the Medical Plan Cost Estimator. 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.

This tool is designed to help you choose the medical plan that is right for you in two easy steps:

Then, you'll be able to see an estimate of what you'll spend annually for the upcoming year under each medical plan option. You can also use the savings account section to consider how much you should contribute on a before-tax basis 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.

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 following cost assumptions were used in the tool for:

Please note that the estimates are based on national average health care costs, with the exception of Massachusetts and California which are based on regional averages.

Because costs can vary by provider and by region, your actual costs may differ from the 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.

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 very 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.

healthcare usage 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.

healthcare usage 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.

healthcare 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, 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 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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