Choose the right health plan at open enrollment — and make sure it's reflected in your total compensation picture. Start with HDHP vs. PPO break-even, quantify the HSA tax shield, then stack benefits election against full comp.
Enter both plan options and your expected annual utilization. The tool brute-forces every $100 of spend from $0 to your HDHP OOP max to find the exact crossover point. Below the break-even, HDHP wins. Above it, PPO wins. The HSA tax shield (contributions × marginal rate) often shifts the crossover $500–$2,000 higher than the raw premium math suggests.
Open HDHP vs. PPO Break-Even Calculator →After choosing your health plan, optimize the rest of the enrollment window. The Benefits Optimizer scores each election decision for tax efficiency, coverage gap closure, and match capture rate. Many employees leave employer match dollars on the table or over-pay for voluntary benefits they don't need.
Open Benefits Open Enrollment Optimizer →Benefits elections change your total compensation number. Use your HDHP/HSA decision and benefits optimization outputs to populate the Total Comp Suite for a complete picture. Useful when comparing two offers or validating a raise conversation — the Policy Mandate export chains cleanly into offer negotiation tools.
Open Total Compensation Suite →