Finance & Health · Simulator
HSA vs PPO Breakeven Calculator
Compare the total annual cost of a PPO plan versus a High-Deductible Health Plan (HDHP) with an HSA, factoring in premiums, out-of-pocket medical usage, and federal/state tax savings.
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Annual Savings with HDHP
AED 9,390
Significant Savings
The HDHP is significantly cheaper due to lower premiums and substantial tax savings. This is the optimal choice for your financial profile.
Total Annual PPO Cost
AED 9,800
Total Annual HDHP Cost
AED 410
HSA Tax Savings
AED 1,490
PPO Out-of-Pocket
AED 2,000
HDHP Out-of-Pocket
AED 2,000
Results update instantly. Nothing is stored.
Verified Aug 29, 2026· Sources · Methodology