Compare HMO, PPO, and HDHP health insurance plans side by side. Estimate monthly premiums, annual deductibles, out-of-pocket maximums, and HSA savings. Find the most cost-effective plan based on your age, family size, and expected medical usage.
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Enter your age, family size, income, and expected medical usage. The calculator estimates monthly premiums, deductibles, and out-of-pocket costs for HMO, PPO, and HDHP plans, helping you compare total annual costs.
HMO plans have lower premiums but require referrals and in-network care. PPO plans offer more flexibility with higher premiums. HDHP plans have the lowest premiums but highest deductibles, and qualify for tax-advantaged HSA accounts.
Yes, for HDHP plans the calculator shows HSA contribution limits and potential tax savings, which can significantly reduce the effective cost of high-deductible plans.
Estimates are based on national average premiums adjusted for age and family size. Actual premiums vary by location, insurer, and plan specifics. Use this as a starting point for comparing plan types.
Yes, the Health Insurance Calculator is 100% free to use with no limitations. There is no registration required, no daily usage caps, and no hidden fees. You can use it as many times as you need.
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Compare HMO, PPO, and HDHP health insurance plans side by side. Estimate monthly premiums, annual deductibles, out-of-pocket maximums, and HSA savings. Find the most cost-effective plan based on your age, family size, and expected medical usage.
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Premiums increase significantly with age, especially after 50.
Lower incomes may qualify for ACA marketplace subsidies.
This affects your estimated out-of-pocket medical expenses.
Insurers can charge up to 50% more for tobacco users under ACA rules.
Best Value for Your Profile
HDHP — $5,315/year
Effective monthly cost: $443.00 (premiums + expected medical costs - HSA tax savings)
Health Maintenance Organization
Monthly Premium
$333.00
$3,996/year
Preferred Provider Organization
Monthly Premium
$444.00
$5,328/year
High Deductible Health Plan
Monthly Premium
$246.00
$2,952/year
HSA Eligible
Max contribution: $4,150/year. Triple tax advantage: tax-deductible contributions, tax-free growth, tax-free qualified withdrawals.
| Feature | HMO | PPO | HDHP |
|---|---|---|---|
| Monthly Premium | $333.00 | $444.00 | $246.00 |
| Annual Premium | $3,996 | $5,328 | $2,952 |
| Deductible | $1,500 | $2,000 | $3,000 |
| Out-of-Pocket Max | $6,500 | $8,000 | $7,050 |
| Coinsurance | 20% | 25% | 30% |
| Est. Medical Costs | $2,100 | $2,615 | $3,150 |
| Total Annual Cost | $6,096 | $7,943 | $5,315 |
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Disclaimer: These estimates are based on 2024 national averages and ACA guidelines. Actual premiums vary significantly by state, county, insurer, and specific plan. Subsidy estimates use simplified Federal Poverty Level calculations. Always compare actual plan options on healthcare.gov or your state marketplace. This tool is for educational purposes only and does not constitute insurance advice.