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Home / Calculators / HSA vs. FSA & HDHP vs. PPO Health Plan Calculator (Open Enrollment)

HSA vs. FSA & HDHP vs. PPO Health Plan Calculator (Open Enrollment)

During US corporate open enrollment, selecting between a High-Deductible Health Plan (HDHP) with a Health Savings Account (HSA) and a traditional Preferred Provider Organization (PPO) with a Flexible Spending Account (FSA) is a pivotal wealth-protection choice. HDHP plans deliver substantially lower monthly payroll premiums and unlock the HSA—the US tax code's only vehicle featuring a Triple Tax Advantage (tax-free contributions avoiding income and 7.65% FICA taxes, tax-free compound growth in investments, and tax-free withdrawals for qualified medical expenses) with perpetual rollover rights. In contrast, traditional PPOs feature lower upfront deductibles and predictable copays, but carry substantially higher premiums and restrictive FSAs subject to 'use-it-or-lose-it' forfeiture rules. This calculator projects your net annual healthcare costs under both plans and models the long-term compounding growth of unspent HSA balances over decades.

US OPEN ENROLLMENT & HEALTHCARE TAX SHIELD

HSA vs. FSA & HDHP vs. PPO Calculator

Compare High-Deductible Health Plans with triple-tax-advantaged HSAs against traditional PPOs with FSAs. Model your out-of-pocket costs and long-term HSA investment wealth.

11. Coverage Tier & Anticipated Medical Needs

$1.500
$

Projected doctor visits, prescriptions, labs, and expected out-of-pocket healthcare costs.

22. Premiums, Deductibles & Contributions

HDHP + HSA (High-Deductible)

Traditional PPO + FSA

Bottom Line: Which Healthcare Plan Wins?

HDHP + HSA Vence
Net Cash Advantage per Year:
$2.826/ano

HDHP + HSA is the superior financial choice for this scenario!

Custo Total HDHP:
$644
Custo Total PPO:
$3.470
Economia só na mensalidade (HDHP vs PPO):+$1.980/ano
Aporte da Empresa no HSA:+$750
Economia de Impostos no Aporte HSA:+$1.246
Projected HSA Invested Balance After 15 anos:$80.359

Unlike the FSA 'use-it-or-lose-it' trap, your unused HSA balance belongs to you forever, rolls over with zero penalties, and compounds tax-free in index funds (like the S&P 500):

How it works

1

Select your coverage tier (Self-Only / Individual vs. Family).

2

Estimate your anticipated out-of-pocket medical spending for the plan year.

3

Enter your monthly payroll premiums, plan deductibles, and any employer seed contributions for both HDHP and PPO.

4

Input your tax bracket to model your upfront tax savings on HSA contributions.

5

Examine which plan wins the annual financial cost battle and project your invested HSA wealth balance over time.

Frequently asked questions

What is the Triple Tax Advantage of the Health Savings Account (HSA)?

The HSA is the only tax vehicle in the US featuring triple tax savings: (1) Contributions are 100% tax-deductible or pre-tax, exempt from federal, state (in 48 states), and 7.65% FICA taxes; (2) Investment earnings grow completely tax-free; and (3) Withdrawals spent on qualified medical expenses are completely tax-free at any age.

What is the primary difference between an HSA and an FSA?

An FSA is tied to your employer and subject to the strict 'use-it-or-lose-it' rule where unspent funds are forfeited at year end. An HSA is an individually owned bank account where unspent money rolls over perpetually, never expires, and stays with you even if you switch jobs or retire.

What happens to HSA funds after age 65?

At age 65, the 20% non-medical penalty disappears entirely. You can withdraw HSA funds for non-medical expenses paying only ordinary income tax, functioning identically to a Traditional IRA or 401(k), while medical withdrawals remain 100% tax-free forever.

Who is eligible to contribute to an HSA?

To contribute to an HSA, the IRS requires you to be enrolled in an eligible High-Deductible Health Plan (HDHP), not be covered by another disqualifying health plan (such as a general-purpose FSA or Medicare), and not be claimed as a dependent on someone else's tax return.

Is this tool free?

Yes. The site is supported by ads, so you never pay or need to create an account.

Does it work on mobile?

Yes. The page adapts to your screen and does not require installing any app.