Open Enrollment Health Plan Decision Kit: PPO vs HDHP Cost Calculator (Excel + Google Sheets)

Compare up to four health plans on what you'll actually pay in a year, not just the premium. Enter plans from their SBC, describe a light, typical, heavy and major-event year, and see the all-in annual cost, the cheapest plan per scenario, your worst case, and where a high-deductible plan stops winning.

Includes: Excel workbook (also works in Google Sheets) with Dashboard, Plan Inputs, Usage Scenarios, Cost Calculator, Break-Even Chart, Deadline Checklist, HR question list and glossary, plus an 8-page PDF playbook.

For US employees choosing between a PPO and an HDHP + HSA at open enrollment. Educational tool, not insurance, medical or tax advice.