Worksheet
Health Insurance Plan Comparison Tool
Compare two health plans using the same care estimate, then review premiums, deductibles, HSA support, expected cost, and worst-case exposure side by side.
Shared care scenario
Expected annual care
Keep this shared when you want the cleanest apples-to-apples comparison. Change it to test a quiet year or a heavier-care year.
Plan terms
Compare plans
Use the plan summary, enrollment packet, or employer benefits page. Keep each row focused on the same plan term.
Monthly premium
Deductible
Coinsurance
Out-of-pocket max
Employer HSA
Enabled only for plans marked HDHP with HSA.
What matters most?
Plan A expected
$6,100
$3,840 premiums plus estimated care after HSA help.
Plan B expected
$7,490
$6,240 premiums plus estimated care after HSA help.
Care estimate
$3,500
Use the same care estimate in both plans when you want the cleanest comparison.
Plan comparison matrix
Where each plan is stronger
Annual premiums
Premiums are paid even in a quiet medical year.
Plan A
$3,840
Plan B
$6,240
Signal
Plan A
Deductible
A lower deductible can make care feel less front-loaded.
Plan A
$3,200
Plan B
$1,000
Signal
Plan B
Coinsurance after deductible
Coinsurance matters most after the deductible is met.
Plan A
20%
Plan B
10%
Signal
Plan B
Out-of-pocket maximum
This is the main in-network medical-cost ceiling before premiums.
Plan A
$7,000
Plan B
$5,000
Signal
Plan B
Employer HSA contribution
Employer HSA money can offset eligible care costs but usually cannot pay premiums.
Plan A
$1,000
Plan B
$0
Signal
Plan A
Estimated annual cost
Premiums plus estimated out-of-pocket care after employer HSA help.
Plan A
$6,100
Plan B
$7,490
Signal
Plan A
Worst-case annual cost
Annual premiums plus the in-network out-of-pocket maximum after employer HSA help.
Plan A
$9,840
Plan B
$11,240
Signal
Plan A
How to use this health plan comparison
The lowest premium is not always the cheapest plan, and the lower deductible is not always the better fit. Read premiums, care use, HSA help, and worst-case exposure together.
1
Start with the real plan terms
Use the employee premium, deductible, coinsurance, out-of-pocket maximum, and any employer HSA contribution from the plan documents.
2
Enter expected annual care
Use a rough annual estimate for nonpreventive visits, prescriptions, labs, therapy, or planned procedures before insurance pays.
3
Compare cost and risk
A lower premium can still require a stronger cash buffer if the deductible or out-of-pocket maximum is higher.
About this tool
What this helps you do
This worksheet compares two health plans using premiums, cost sharing, employer HSA support, expected medical use, and worst-case annual exposure.
How to interpret results
Treat the result as a planning signal. Network, prescriptions, plan rules, and care timing can change the answer even when one plan looks cheaper.
What to verify
Confirm in-network doctors, hospitals, drug formularies, referral rules, prior authorization, family deductibles, and whether HSA eligibility actually applies.
Limitations
This tool does not apply subsidies, tax treatment, FSA elections, Medicare, Marketplace rules, out-of-network exposure, or personalized medical advice.
Keep learning
Plan comparison notes