100% Free HSA vs PPO Calculator | 2026 Health Plan Comparison Tool

HSA vs PPO Calculator: 2026 Expert Comparison Tool

Deciphering the HDHP vs. PPO Dilemma: A Technical Overview

100% Free HSA vs PPO Calculator: 2026 Expert Comparison Tool

HSAvsPPOFinancial Intelligence

100% Free Tool

No Registration Required · IRS 2026 Ready

Healthcare Math.
Mastered.

Stop guessing between HSA and PPO plans. Get a data-driven breakdown of your 2026 health spending in seconds.

Start Calculating

Financial Inputs

Customized for 2026 enrollment

HSA Monthly Premium ($)

Pre-tax payroll deduction.

PPO Monthly Premium ($)

Standard monthly plan cost.

HSA Plan Deductible ($)

IRS Min: $1,650 Ind / $3,300 Fam.

PPO Plan Deductible ($)

Threshold before insurance pays.

Employer HSA Seed ($)

Free "Seed Money" annual.

Marginal Tax Rate (%)

Calculates tax shield value.

Anticipated Medical Spending ($)

Include all expected visits, drugs, and therapy.

Cost Projection

HSA Annual Net$0

PPO Annual Net$0

Expert VerifiedLast Update: Feb 2026

Strategic Healthcare Choice for 2026.

Choosing between an HDHP and a traditional PPO is a high-stakes financial move. For the 2026 cycle, the IRS has officially adjusted limits to **$4,300 for individuals** and **$8,550 for families**.

Official 2026 IRS Adjustments

Single Coverage$4,300

Family Coverage$8,550

Calculation Methodology

Our tool evaluates **Net Annual Out-of-Pocket Expense**. This formula accounts for