Planning estimate only — not a quote, claim, or medical advice. Confirm with your plan documents.
Benefits worksheet
High deductible vs PPO: which costs less for your year?
Enter premiums and deductibles for both plan types plus expected in-network care. Simple annual total - networks and referrals not modeled.
Your numbersStays on device
Your numbers
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HDHP looks cheaper under this model
$260
annual gap (premiums + up to deductible).
- PPO annual estimate
- $8,100
- HDHP annual estimate
- $7,840
Ignores networks, referrals, coinsurance, and HSA contributions. Directional open-enrollment filter only.
Related estimates
Common questions
Often people compare an HDHP to a PPO tier. Enter the two quotes you actually have.
If the HDHP comes with employer HSA funding, lower the HDHP cost mentally by that amount.
Yes in real life. This calculator is premium + deductible math only.
Same family of math, labeled for high deductible vs PPO search intent.