Personal Finance & Health Benefits · Simulator
Health Plan Cost Simulator: HDHP vs PPO
Simulate total annual health insurance costs including premiums, deductibles, copays, tax savings, and employer HSA seed funding to select the optimal plan.
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HDHP Advantage vs PPO
AED 2,600
HDHP Provides Major Financial Savings
The HDHP delivers substantial net savings through lower annual payroll deductions, employer HSA seed cash, and full FICA/income tax insulation.
Total HDHP Net Cost
AED 2,700
Total PPO Net Cost
AED 5,300
Tax Shield Savings from HSA
AED 900
Worst-Case HDHP Cost (Max OOP)
AED 5,400
Worst-Case PPO Cost (Max OOP)
AED 8,200
Results update instantly. Nothing is stored.
Verified Aug 29, 2026· Sources · Methodology