HDHP + HSA vs Traditional PPO
An **HDHP with HSA** trades lower premiums for higher deductibles but adds triple-tax-advantaged savings. A **traditional PPO** offers predictable copays—better for frequent specialists or planned surgeries.
Step by step
1. Estimate annual visits
Chronic care and brand drugs favor PPO copays.
2. Model max OOP
Add premium × 12 + expected deductibles and coinsurance.
3. Value HSA contribution
Employer HSA seed and your tax bracket change the breakeven.
HDHP+HSA vs PPO
Healthy years with HSA investing can offset bad years—if you fund the HSA.
- HDHP + HSA: Lower premium; tax-free medical savings; higher upfront risk.
- PPO: Copays day one; higher premium; less tax-advantaged flexibility.
Use our calculators
Common mistakes
- Choosing HDHP without funding HSA
- Ignoring network restrictions on both plans
FAQ
Can I keep HSA after leaving HDHP?
Yes—you can spend existing HSA on qualified expenses; contributions pause.