Cost Modeling Tool
Answer simple questions about your healthcare needs, and we'll calculate your estimated annual cost for each plan. The more accurate your inputs, the better our recommendations.
Your Scenario
Medical Usage
Typical: 2-4 visits/year
Prescriptions
Number of ongoing generic prescriptions
High-cost medications like biologics
Tax Accounts
2025 max: $4,300 (single) / $8,550 (family)
2025 max: $3,300
Max: $5,000/year
Federal + State + FICA combined
Quick Tips
Not sure how many visits? Most healthy adults see a doctor 2-4 times per year.
Taking medications? Count each different medication you take regularly.
HSA contributions are tax-free and can significantly reduce your net cost on high-deductible plans.
Annual Cost Comparison
All plans ranked by your estimated total cost
How to read this chart
The bars show your estimated total annual cost for each plan. This includes your premium payments, expected out-of-pocket costs based on your healthcare usage, minus any tax savings from HSA/FSA contributions and employer HRA credits. Lower is better!
Cost Breakdown by Category
Understand where your money goes
Understanding the breakdown
This shows how your costs are split between premiums (what you pay regardless of usage), medical costs (doctor visits, tests, etc.), and prescription costs. Plans with higher premiums often have lower out-of-pocket costs, and vice versa.
2026 Plans
NEWOxford Network • These are your options for next year
Heads up: The 2026 plans use a different insurance network (Oxford instead of Cigna). You may need to verify that your doctors are in-network. The benefits team can help with this.
2025 Plans
Cigna Network • Your current plan options (for reference)
These are your current 2025 plan options. Comparing them to the 2026 plans can help you understand how costs are changing. Use the "What's New" page to see detailed year-over-year changes.
Ready for the next step?
Once you've reviewed the cost estimates, you can compare your top choices side-by-side to see the detailed benefits differences, or go directly to a plan's detail page to see everything it offers.
Select at least 2 plans above to compare them side-by-side
Browse All Plans