HDHP vs. PPO Comparison Spreadsheet
a spreadsheet to simplify and clarify the choices between healthcare plans
This course solves a thorny problem for healthcare consumers: you can figure out whether the HDHP is more cost-effective than the PPO or the other way around. The spreadsheet is simple to complete and should take you about 5-10 minutes to finish. I've done all the thinking for you! I've even considered the tax implications of contributing to an HSA, paying more (possibly) for the PPO, and more. Formulas are pre-loaded and ready to go. Not only will you see which approach is better, you'll see by how much and why.
Julie Rains is a writer with interests in personal finance and investing. She holds a Bachelor of Science in Business Administration with a concentration in finance from The University of North Carolina at Chapel Hill.