HDHP vs PPO Side-by-Side Comparison
Compare a High-Deductible Health Plan against a PPO using your expected annual medical expenses to find the lower total-cost option, similar to results from a Kaiser Permanente cost estimator.
HDHP vs PPO Comparison Tool
Enter each plan's details and your expected medical spending to see a full side-by-side breakdown.
Plan A (HDHP)
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$
$
Plan B (PPO)
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$
$
$5,000.00
Cost Comparison Results
Plan A (HDHP) Total Annual Cost
$8,360.00
Plan B (PPO) Total Annual Cost
$9,240.00
Recommended: HDHP (Plan A) (saves $880.00/yr)
HDHP vs PPO: Which Costs Less?
High-Deductible Health Plans (HDHPs) typically have lower premiums but higher deductibles, while PPOs offer lower deductibles at higher premium cost. This tool models your total annual cost as premium plus out-of-pocket spending, capped at each plan's out-of-pocket maximum, so you can make an informed, mathematically-grounded decision.