Setrics Tracker

This calculator will assist you in comparing an HSA Plan (High Deductible Health Plan with an HSA) against another deductible or non-deductible based plan. This tool should take you less than 5 minutes to complete and will provide you with a monthly & annual comparison of your estimated out of pocket costs for each option. You can update your entered information as much as you like.

  • Health Plan Info
  • Healthcare Profile
  • Savings with HSAs, FSAs, or HRAs
  • Results
Start by providing your health plan information below.

This tool will help you estimate potential savings when selecting your health plan. You can input the amount you might spend with a high-deductible health plan (HDHP) and a traditional (PPO or HMO) health plan to see which option might save you more money.

Fill in the blanks below. Have a question? Click the question mark icons for more information.

HDHP

Non-HDHP

Insurance Premium

Enter your monthly premium amount

Dollars per month

Deductible Amount

Enter the annual plan deductible amounts

Dollars per year

Out of Pocket Limit

Enter the annual out-of-pocket limits for covered expenses.

Dollars per year

Office Visit Coverage

Enter the annual out-of-pocket limits for covered expenses.

HDHP

Non-HDHP

Select coinsurance or copays

Average Office Visit Copay

Enter the percent OR dollar amount you pay for prescriptions after the deductible is paid.

Average copay dollar amount for office visits

Percent you pay after office visits deductible is met

Select yes or no

Prescription Drug Coverage

HDHP

Non-HDHP

Select coinsurance or copays

Average copay dollar amount for prescriptions

Percent of prescription you pay after deductible is met

Select yes or no.

Other Services Coverage (Lab, X-ray, Hospital, Skilled Nursing, etc.)

HDHP

Non-HDHP

Select yes or no

Percent of other services you pay after deductible

We're not done quite yet...move onto the next step by clicking next.

Next, fill out your healthcare profile below.

Value

Number of Office Visits

Estimate the total number of doctor office visits made each year. Do not include preventive care visits if covered 100%

Visits per year, at an average of $150 per visit. Do not include preventive care visits if covered at 100%

Number of Prescriptions

Estimate the average number of prescriptions filled each year

Prescriptions filled per year, at an average of $75 per prescription

Other Healthcare Expenses (Lab, X-ray, Hospital, Skilled Nursing, Etc.)

Estimate the dollar amount your providers will bill annually for all other services. For example, if you expect to a have at least one ER visit at a cost of $400 and an outpatient procedure at a cost of $1,500 then enter $1,900. We'll apply your coinsurance to this amount.

Annual dollar amount for other healthcare expenses

We're not done quite yet...move onto the next step by clicking next.

Fill out your HSA, FSA, or HRA information below.

Value

Federal Tax Filing Status

Select your federal tax filing status from the drop down list

Tax Rate

Enter your Federal tax rate. This can be found on pages 13-19 of IRS Publication 919. Access Publication 919 Here ยป

Include total of Federal, State, and FICA

HSA Contributions

Value

Total of your Annual HSA Contributions

Enter the total HSA contributions for the selected filing status. The total cannot exceed the limits shown in the table to the right for your type of coverage.

Enter Annual Amount

Total of your Employer's Annual HSA Contributions

Enter the total of your Employer's annual HSA contributions

Enter Annual Amount

Other Benefit Account Information for your Non-HDHP

Value

If you have a healthcare FSA, how much are you contributing annually?

An FSA can be used for medical, dental, prescription and vision expenses. Remember, any unused amounts at the end of the year are returned to your employer, so it is important to carefully decide how much to contribute.

Enter Annual Amount

Is your employer contributing money to an HRA? If Yes, enter the annual HRA amount.

An FSA can be used for medical, dental, prescription and vision expenses. Remember, any unused amounts at the end of the year are returned to your employer, so it is important to carefully decide how much to contribute.

Enter Annual Amount

We're Done! Here are your results.
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