GrowWithJusto — Adulting Made Actually Doable

// How often do you use healthcare?

// Enter your plan details

★ Best value

Monthly premium ($)

Deductible ($)

Out-of-pocket max ($)

PCP copay ($)

Specialist copay ($)

Rx copay ($)

HSA eligible (HDHP)

Employer HSA contribution ($)

Monthly premium ($)

Deductible ($)

Out-of-pocket max ($)

PCP copay ($)

Specialist copay ($)

Rx copay ($)

HSA eligible (HDHP)

Monthly premium ($)

Deductible ($)

Out-of-pocket max ($)

PCP copay ($)

Specialist copay ($)

Rx copay ($)

HSA eligible (HDHP)

Your HSA contribution (annual)$1,500

2026 HSA limit: $4,300/individual. Contributions reduce taxable income — tax savings estimated at 22% bracket.

// True annual cost comparison

Plan A (HDHP)

$1,810

Annual premium$1,440

Est. out-of-pocket$1,200

HSA tax savings-$830

Plan B (PPO)

$3,385

Annual premium$3,360

Est. out-of-pocket$25

HSA tax savings$0

Plan C (HMO)

$2,180

Annual premium$2,160

Est. out-of-pocket$20

HSA tax savings$0

// Terms you need to know

Premium

What you pay every month regardless of whether you use healthcare. Think of it like rent for your insurance.

Deductible

What you pay out of pocket before insurance kicks in. A $3,000 deductible means you pay the first $3,000 of care each year.

Out-of-pocket max

The most you'll ever pay in a year. Once you hit this, insurance covers 100% for the rest of the year.

Copay

A flat fee you pay per visit ($25 to see your doctor). Applies after or sometimes before your deductible.

Coinsurance

After your deductible, you split costs with insurance. 20% coinsurance means you pay 20%, they pay 80%.

HSA

Health Savings Account — only available with HDHPs. Pre-tax money you save for healthcare costs. Rolls over forever, never expires.

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