HDHP vs. Non-HDHP Comparison Spreadsheet
simplify and clarify the choices between high-deductible and traditional healthcare plans
This course allows comparison between a high-deductible health plan and a traditional plan (HDHP vs. Non-HDHP). The spreadsheet allows you to compare the cash flows associated with plans that are available to you. This course is designed for people who can afford to pay Out-of-Pocket Maximums and fund a Health Savings Account (HSA).
The course contains a downloadable Excel spreadsheet for your private use. It also contains video instructions explaining spreadsheet inputs, formulas, and decision framework. The spreadsheet requires fewer than 25 entries and can take as little as 15 minutes to complete. This spreadsheet is designed to 1) compare the costs and tax benefits of available health insurance plans and 2) offer insight into the plan that maximizes the wealth-accumulation value of healthcare spending and saving through an HSA or investment account designated for medical expenses.
Julie Rains is a writer with interests in personal finance, investing, faith, and fitness. She holds a Bachelor of Science in Business Administration with a concentration in finance from The University of North Carolina at Chapel Hill.
StartDownloadable Spreadsheet in Excel
StartSpreadsheet Instructions - Basic Info
StartSpreadsheet Instructions - HDHP with HSA
StartSpreadsheet Instructions - Non-HDHP with FSA and Investment Account
StartSpreadsheet Instructions - Health Accounts in Retirement
StartIf You Need Help