Health-plan comparison — HDHP+HSA vs PPO total cost

Compares the total annual cost of a high-deductible health plan with an HSA against a traditional PPO, for an expected level of medical spending. Each plan's cost is its premium plus the member's cost-sharing (spend up to the deductible, then coinsurance, capped at the out-of-pocket max); the HDHP nets out the employer HSA seed and the tax saving on the HSA contribution, and the PPO nets any health-FSA tax saving. Returns each plan's cost breakdown, the recommendation, and the difference. Deterministic; not insurance advice.