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Enter your plan features here
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PPO PlanHD/HSA Plan
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Monthly Premium$47 $35
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Annual Deductible$750 $1,700
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Co-insurance rate20%20%
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Annual Out of pocket max$3,500 $4,200
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Annual Employer contribution to HSA$1,000
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Employee contribution to HSA$1,000
For 2026 maximum employee contribution is $4,400 and maximum family $8,750
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Tax Rates
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Federal24%
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State0%
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FICA7.65%
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Total31.65%
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Enter annual healthcare spendPPO Net cost HSA Plan
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 $ 930 $1,350 $34
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Tables that populate chartFor Chart
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Healthcare ExpensesPPO Patient ResponsibilityTotal PPO PremiumNet PPO CostHDP Patient ResponsibilityHDP Employer ContributionHDP PremiumValue of Tax Deduction Net HDHP Cost Healthcare ExpensesNet PPO Cost
Net HDHP Cost
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$500 $500 $564 $1,064 $500 ($1,000)$420 ($317)($397)$500 $1,064 ($397)
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$1,000 $800 $564 $1,364 $1,000 ($1,000)$420 ($317)$104 $1,000 $1,364 $104
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$1,500 $900 $564 $1,464 $1,500 ($1,000)$420 ($317)$604 $1,500 $1,464 $604
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$2,000 $1,000 $564 $1,564 $1,760 ($1,000)$420 ($317)$864 $2,000 $1,564 $864
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$3,000 $1,200 $564 $1,764 $1,960 ($1,000)$420 ($317)$1,064 $3,000 $1,764 $1,064
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$4,000 $1,400 $564 $1,964 $2,160 ($1,000)$420 ($317)$1,264 $4,000 $1,964 $1,264
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$5,000 $1,600 $564 $2,164 $2,360 ($1,000)$420 ($317)$1,464 $5,000 $2,164 $1,464
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$6,000 $1,800 $564 $2,364 $2,560 ($1,000)$420 ($317)$1,664 $6,000 $2,364 $1,664
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$7,000 $2,000 $564 $2,564 $2,760 ($1,000)$420 ($317)$1,864 $7,000 $2,564 $1,864
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$8,000 $2,200 $564 $2,764 $2,960 ($1,000)$420 ($317)$2,064 $8,000 $2,764 $2,064
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$9,000 $2,400 $564 $2,964 $3,160 ($1,000)$420 ($317)$2,264 $9,000 $2,964 $2,264
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$10,000 $2,600 $564 $3,164 $3,360 ($1,000)$420 ($317)$2,464 $10,000 $3,164 $2,464
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$11,000 $2,800 $564 $3,364 $3,560 ($1,000)$420 ($317)$2,664 $11,000 $3,364 $2,664
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$12,000 $3,000 $564 $3,564 $3,760 ($1,000)$420 ($317)$2,864 $12,000 $3,564 $2,864
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$13,000 $3,200 $564 $3,764 $3,960 ($1,000)$420 ($317)$3,064 $13,000 $3,764 $3,064
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$14,000 $3,400 $564 $3,964 $4,160 ($1,000)$420 ($317)$3,264 $14,000 $3,964 $3,264
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$15,000 $3,500 $564 $4,064 $4,200 ($1,000)$420 ($317)$3,304 $15,000 $4,064 $3,304
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$16,000 $3,500 $564 $4,064 $4,200 ($1,000)$420 ($317)$3,304 $16,000 $4,064 $3,304
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$17,000 $3,500 $564 $4,064 $4,200 ($1,000)$420 ($317)$3,304 $17,000 $4,064 $3,304
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$18,000 $3,500 $564 $4,064 $4,200 ($1,000)$420 ($317)$3,304 $18,000 $4,064 $3,304
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$19,000 $3,500 $564 $4,064 $4,200 ($1,000)$420 ($317)$3,304 $19,000 $4,064 $3,304
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$20,000 $3,500 $564 $4,064 $4,200 ($1,000)$420 ($317)$3,304 $20,000 $4,064 $3,304
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$21,000 $3,500 $564 $4,064 $4,200 ($1,000)$420 ($317)$3,304 $21,000 $4,064 $3,304
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$22,000 $3,500 $564 $4,064 $4,200 ($1,000)$420 ($317)$3,304 $22,000 $4,064 $3,304
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$23,000 $3,500 $564 $4,064 $4,200 ($1,000)$420 ($317)$3,304 $23,000 $4,064 $3,304
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$24,000 $3,500 $564 $4,064 $4,200 ($1,000)$420 ($317)$3,304 $24,000 $4,064 $3,304
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$25,000 $3,500 $564 $4,064 $4,200 ($1,000)$420 ($317)$3,304 $25,000 $4,064 $3,304
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$26,000 $3,500 $564 $4,064 $4,200 ($1,000)$420 ($317)$3,304 $26,000 $4,064 $3,304
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$27,000 $3,500 $564 $4,064 $4,200 ($1,000)$420 ($317)$3,304 $27,000 $4,064 $3,304
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$28,000 $3,500 $564 $4,064 $4,200 ($1,000)$420 ($317)$3,304 $28,000 $4,064 $3,304
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$29,000 $3,500 $564 $4,064 $4,200 ($1,000)$420 ($317)$3,304 $29,000 $4,064 $3,304
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$30,000 $3,500 $564 $4,064 $4,200 ($1,000)$420 ($317)$3,304 $30,000 $4,064 $3,304
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$31,000 $3,500 $564 $4,064 $4,200 ($1,000)$420 ($317)$3,304 $31,000 $4,064 $3,304
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$32,000 $3,500 $564 $4,064 $4,200 ($1,000)$420 ($317)$3,304 $32,000 $4,064 $3,304
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$33,000 $3,500 $564 $4,064 $4,200 ($1,000)$420 ($317)$3,304 $33,000 $4,064 $3,304
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$34,000 $3,500 $564 $4,064 $4,200 ($1,000)$420 ($317)$3,304 $34,000 $4,064 $3,304
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$35,000 $3,500 $564 $4,064 $4,200 ($1,000)$420 ($317)$3,304 $35,000 $4,064 $3,304
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$36,000 $3,500 $564 $4,064 $4,200 ($1,000)$420 ($317)$3,304 $36,000 $4,064 $3,304
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$37,000 $3,500 $564 $4,064 $4,200 ($1,000)$420 ($317)$3,304 $37,000 $4,064 $3,304
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$38,000 $3,500 $564 $4,064 $4,200 ($1,000)$420 ($317)$3,304 $38,000 $4,064 $3,304
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$39,000 $3,500 $564 $4,064 $4,200 ($1,000)$420 ($317)$3,304 $39,000 $4,064 $3,304
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$40,000 $3,500 $564 $4,064 $4,200 ($1,000)$420 ($317)$3,304 $40,000 $4,064 $3,304
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$41,000 $3,500 $564 $4,064 $4,200 ($1,000)$420 ($317)$3,304 $41,000 $4,064 $3,304
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$42,000 $3,500 $564 $4,064 $4,200 ($1,000)$420 ($317)$3,304 $42,000 $4,064 $3,304
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$43,000 $3,500 $564 $4,064 $4,200 ($1,000)$420 ($317)$3,304 $43,000 $4,064 $3,304
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$44,000 $3,500 $564 $4,064 $4,200 ($1,000)$420 ($317)$3,304 $44,000 $4,064 $3,304
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$45,000 $3,500 $564 $4,064 $4,200 ($1,000)$420 ($317)$3,304 $45,000 $4,064 $3,304
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$46,000 $3,500 $564 $4,064 $4,200 ($1,000)$420 ($317)$3,304 $46,000 $4,064 $3,304
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$47,000 $3,500 $564 $4,064 $4,200 ($1,000)$420 ($317)$3,304 $47,000 $4,064 $3,304
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$48,000 $3,500 $564 $4,064 $4,200 ($1,000)$420 ($317)$3,304 $48,000 $4,064 $3,304
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$49,000 $3,500 $564 $4,064 $4,200 ($1,000)$420 ($317)$3,304 $49,000 $4,064 $3,304
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$50,000 $3,500 $564 $4,064 $4,200 ($1,000)$420 ($317)$3,304 $50,000 $4,064 $3,304
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$51,000 $3,500 $564 $4,064 $4,200 ($1,000)$420 ($317)$3,304 $51,000 $4,064 $3,304
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$52,000 $3,500 $564 $4,064 $4,200 ($1,000)$420 ($317)$3,304 $52,000 $4,064 $3,304
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$53,000 $3,500 $564 $4,064 $4,200 ($1,000)$420 ($317)$3,304 $53,000 $4,064 $3,304
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$54,000 $3,500 $564 $4,064 $4,200 ($1,000)$420 ($317)$3,304 $54,000 $4,064 $3,304
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$55,000 $3,500 $564 $4,064 $4,200 ($1,000)$420 ($317)$3,304 $55,000 $4,064 $3,304
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$56,000 $3,500 $564 $4,064 $4,200 ($1,000)$420 ($317)$3,304 $56,000 $4,064 $3,304
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$57,000 $3,500 $564 $4,064 $4,200 ($1,000)$420 ($317)$3,304 $57,000 $4,064 $3,304
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$58,000 $3,500 $564 $4,064 $4,200 ($1,000)$420 ($317)$3,304 $58,000 $4,064 $3,304
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$59,000 $3,500 $564 $4,064 $4,200 ($1,000)$420 ($317)$3,304 $59,000 $4,064 $3,304
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$60,000 $3,500 $564 $4,064 $4,200 ($1,000)$420 ($317)$3,304 $60,000 $4,064 $3,304
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$61,000 $3,500 $564 $4,064 $4,200 ($1,000)$420 ($317)$3,304 $61,000 $4,064 $3,304
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$62,000 $3,500 $564 $4,064 $4,200 ($1,000)$420 ($317)$3,304 $62,000 $4,064 $3,304
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$63,000 $3,500 $564 $4,064 $4,200 ($1,000)$420 ($317)$3,304 $63,000 $4,064 $3,304
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$64,000 $3,500 $564 $4,064 $4,200 ($1,000)$420 ($317)$3,304 $64,000 $4,064 $3,304