Copy of PPO vs. HSA

Fri, 11 Jul 2008 15:43:17 GMT

Monthly Premium

Fri, 11 Jul 2008 15:43:17 GMT

HSA: $105.00
PPO: $105.00
Tax bracket =: This is often the monthly amount your employer requires you to contribute.
Description: Monthly Premium

x 12 = Annual Insurance Cost

Fri, 11 Jul 2008 15:43:17 GMT

HSA: $1,260.00
PPO: $1,260.00
Tax bracket =: This is calculated based on the monthly amount entered above.
Description: x 12 = Annual Insurance Cost

+ HSA deposit

Fri, 11 Jul 2008 15:43:17 GMT

HSA: $2,600.00
PPO: N/A
Tax bracket =: This should represent the annual amount you plan to contribute to the HSA.
Description: + HSA deposit

Assumed annual medical and dental expenses not covered by insurance

Fri, 11 Jul 2008 15:43:17 GMT

HSA: $0.00
PPO: $0.00
Tax bracket =: Estimate your medical/dental out-of-pocket expenses. Coverages may vary between the PPO and HSA.
Description: Assumed annual medical and dental expenses not covered by insurance

TOTAL OUTLAY

Fri, 11 Jul 2008 15:43:17 GMT

HSA: $3,860.00
PPO: $1,260.00
Tax bracket =: This is annual amount spent, calculated based on the data entered above.
Description: TOTAL OUTLAY

HSA balance from previous years

Fri, 11 Jul 2008 15:43:17 GMT

HSA: $0.00
PPO: N/A
Tax bracket =: If you are past the first year of having an HSA, use this to indicate your account balance.
Description: HSA balance from previous years

HSA balance at end of year

Fri, 11 Jul 2008 15:43:17 GMT

HSA: $2,600.00
PPO: N/A
Tax bracket =: This calculation shows what your balance is expected to be, based on the numbers entered above.
Description: HSA balance at end of year

Tax savings

Fri, 11 Jul 2008 15:43:17 GMT

HSA: $780.00
PPO: N/A
Tax bracket =: Cell E1 above indicates the assumed tax bracket. Change this to change your estimated tax savings.
Description: Tax savings

Est. Interest Earned

Fri, 11 Jul 2008 15:43:17 GMT

HSA: $21.67
PPO: N/A
Tax bracket =: Cell G1 above is the anticipated interest rate on your HSA balance. Change this to alter your estiamted interest earned.
Description: Est. Interest Earned

Net Cost

Fri, 11 Jul 2008 15:43:17 GMT

HSA: $480.00
PPO: $1,260.00
Tax bracket =: This calculated row shows the total cost for each option (the lower the better)!
Description: Net Cost

Interest Table

Fri, 11 Jul 2008 15:43:17 GMT

HSA: Balance
PPO: Interest
Description: Interest Table

Jan

Fri, 11 Jul 2008 15:43:17 GMT

HSA: $216.67
PPO: $10.83
Tax bracket =: 216.66666666666666
30%: #VALUE!
Description: Jan

Feb

Fri, 11 Jul 2008 15:43:17 GMT

HSA: 216.66666666666666#VALUE!
PPO: $0.00
Description: Feb

Mar

Fri, 11 Jul 2008 15:43:17 GMT

HSA: $216.67
PPO: $10.83
Description: Mar

Apr

Fri, 11 Jul 2008 15:43:17 GMT

PPO: $0.00
Description: Apr

May

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PPO: $0.00
Description: May

Jun

Fri, 11 Jul 2008 15:43:17 GMT

PPO: $0.00
Description: Jun

Jul

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PPO: $0.00
Description: Jul

Aug

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PPO: $0.00
Description: Aug

Sep

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PPO: $0.00
Description: Sep

Oct

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PPO: $0.00
Description: Oct

Nov

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PPO: $0.00
Description: Nov

Dec

Fri, 11 Jul 2008 15:43:17 GMT

PPO: $0.00
Description: Dec

Totals

Fri, 11 Jul 2008 15:43:17 GMT

HSA: $0.00
PPO: $21.67
Description: Totals