How to compare PPO vs HDHP + HSA
A solid plan comparison starts with premiums and realistic out-of-pocket expectations, then adjusts for HSA tax savings if you’re eligible.
What matters most
- Premiums (your share): the fixed cost you pay no matter what.
- Cost-sharing: deductible, coinsurance, and out-of-pocket max.
- Tax savings: HSA contributions can reduce federal (and often state) taxes; payroll contributions may also avoid FICA.
Best practice
Run multiple scenarios (low, typical, high medical spend). The “best” plan can change depending on utilization.