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How to use this Google Sheet: Look for the tab below that applies to your situation, then consider the curves showing total out of pocket costs, including premiums.
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Phil de la Motte, Financial Advisor, Prospero Wealth, LLC
Phildlm.com, Prosperowealth.com
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IMPORTANT DISCLAIMER & MODEL USE AGREEMENT

1. Educational & Modeling Purposes Only
This spreadsheet and its underlying calculations are provided strictly for general educational, illustrative, and decision-modeling purposes. This tool is an informal, independent calculation aid and does not represent an official company document, benefit system, or automated decision recommendation.

2. No Financial, Tax, Legal, or Benefits Advice
The author of this model is not a legal professional or corporate benefits administrator. Nothing contained within this workbook constitutes personalized financial, legal, tax, or health coverage advice.

3. Personal Circumstances Not Reflected
This model relies on generalized assumptions, standardized mathematical formulas, and sample scenario inputs. It does not—and cannot—account for your unique personal, medical, or financial situation.

4. Obligation for Independent Verification
You are solely responsible for independently verifying all figures, formulas, premium rates, and policy rules before submitting any benefit elections. You should explicitly:

• Review official Summary Plan Descriptions (SPDs), carrier policy documents, and official employer benefit guides.

• Confirm all plan year timing, premium deductions, and carryforward rules directly with your official HR/Benefits department and enrollment portal.

• Consult a certified tax advisor or fiduciary financial planner regarding IRS regulations, HSA/FSA contribution limits, and your overall financial strategy.

5. Limitation of Liability & Assumption of Risk
By using or referencing this spreadsheet, you expressly acknowledge that you do so entirely at your own risk. This tool is provided "AS IS" without warranties of any kind, express or implied, regarding accuracy, completeness, or fitness for a particular purpose. Benefit terms, carrier pricing, and tax regulations are subject to change. The author assumes no liability or responsibility for any plan elections made, medical expenses incurred, tax liabilities generated, or financial outcomes resulting from the use of or reliance upon this model.
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