Choosing a plan · 2026
HDHP vs PPO Calculator
A high-deductible plan looks worse until you count the HSA tax break. This adds it, using 2026 limits.
Common questions
Why do HDHPs have a different out-of-pocket maximum?
HSA-qualified high-deductible plans are governed by IRS rules with their own ceilings — $8,500 self-only and $17,000 family for 2026 — which are lower than the general ACA limits of $10,600 and $21,200. A plan subject to both must satisfy the lower one. Mixing the two sets up is a very common error.
What is the catch with an HDHP?
Cash flow. The tax math can favor the HDHP while the timing ruins you, because a large bill in January has to be paid before the HSA has been funded. The comparison only holds if you can actually cover the deductible when it lands.
Is the HSA really that valuable?
It is the only account that is untaxed going in, growing, and coming out for qualified medical expenses. Contributing through payroll also avoids Social Security and Medicare tax, which no other retirement account does.