Employee Benefits Comparison

CFP Employee Benefits Calculator
Employee Benefits Calculator
Compare health insurance plan elections for the best net cost
Enter household information, tax rates, and plan details for up to 4 health plans per person. The calculator compares net annual cost across every coverage scenario (both individual, self+spouse, self+kids, family) to find the optimal election mix.
Step 1: Household Information▼
Household
Client 1
Client 2
Name (optional)
Children? ?
Tax Rates & Medical Expenses
Marginal Federal Tax Rate (%) ?
Marginal State Tax Rate (%) ?
Expected Annual Medical Bills ($) ?
$0 (Healthy)$25,000$50,000 (Major)
Step 2: HSA, HRA, and FSA Details▼
Client 1 — Tax-Advantaged Accounts
HSA Deferral — Individual ($) ?
HSA Deferral — Family ($) ?
HSA Employer — Individual ($) ?
HSA Employer — Family ($) ?
HRA Employer — Individual ($) ?
HRA Employer — Family ($) ?
HC FSA Deferral ($) ?
Limited FSA Deferral ($) ?
Client 2 — Tax-Advantaged Accounts
HSA Deferral — Individual ($) ?
HSA Deferral — Family ($) ?
HSA Employer — Individual ($) ?
HSA Employer — Family ($) ?
HRA Employer — Individual ($) ?
HRA Employer — Family ($) ?
HC FSA Deferral ($) ?
Limited FSA Deferral ($) ?
Step 3: Health Plan Details▼
Individual
Self + Spouse
Self + Kids
Family
Client 1 — Individual Plans
Plan 1
Plan 2
Plan Name
Plan Type
Monthly Premium ($)
Deductible ($) ?
Coinsurance (%) ?
Max Out of Pocket ($) ?
Plan 3
Plan 4
Plan Name
Plan Type
Monthly Premium ($)
Deductible ($)
Coinsurance (%)
Max Out of Pocket ($)
Client 2 — Individual Plans
Plan 1
Plan 2
Plan Name
Plan Type
Monthly Premium ($)
Deductible ($) ?
Coinsurance (%)
Max Out of Pocket ($)
Plan 3
Plan 4
Plan Name
Plan Type
Monthly Premium ($)
Deductible ($)
Coinsurance (%)
Max Out of Pocket ($)
Client 1 — Self + Spouse Plans
Plan 1
Plan 2
Monthly Premium ($)
Deductible ($)
Coinsurance (%)
Max Out of Pocket ($)
Plan 3
Plan 4
Monthly Premium ($)
Deductible ($)
Coinsurance (%)
Max Out of Pocket ($)
Client 2 — Self + Spouse Plans
Plan 1
Plan 2
Monthly Premium ($)
Deductible ($)
Coinsurance (%)
Max Out of Pocket ($)
Plan 3
Plan 4
Monthly Premium ($)
Deductible ($)
Coinsurance (%)
Max Out of Pocket ($)
Client 1 — Self + Kids Plans
Plan 1
Plan 2
Monthly Premium ($)
Deductible ($)
Coinsurance (%)
Max Out of Pocket ($)
Plan 3
Plan 4
Monthly Premium ($)
Deductible ($)
Coinsurance (%)
Max Out of Pocket ($)
Client 2 — Self + Kids Plans
Plan 1
Plan 2
Monthly Premium ($)
Deductible ($)
Coinsurance (%)
Max Out of Pocket ($)
Plan 3
Plan 4
Monthly Premium ($)
Deductible ($)
Coinsurance (%)
Max Out of Pocket ($)
Client 1 — Family Plans
Plan 1
Plan 2
Monthly Premium ($)
Deductible ($)
Coinsurance (%)
Max Out of Pocket ($)
Plan 3
Plan 4
Monthly Premium ($)
Deductible ($)
Coinsurance (%)
Max Out of Pocket ($)
Client 2 — Family Plans
Plan 1
Plan 2
Monthly Premium ($)
Deductible ($)
Coinsurance (%)
Max Out of Pocket ($)
Plan 3
Plan 4
Monthly Premium ($)
Deductible ($)
Coinsurance (%)
Max Out of Pocket ($)
Results: Optimal Plan Election▼
Lowest Net Cost
—
—
Tax Savings
—
From pre-tax HSA/FSA deferrals
Employer Contributions
—
HSA + HRA free money
All Scenarios Compared
Coverage Scenario Election Up-front Cost Tax Savings Employer $ Net Cost
Cost Breakdown by Plan
Client Plan Type Tier Annual Premium Out-of-Pocket Up-front Cost Tax Savings Employer $ Net Cost
© 2026 Concert Financial Planning, LLC · For planning and illustrative purposes only. Not tax or benefits advice.