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Health Plan Comparison Calculator

Lively · December 5, 2018 · 3 min read


This year, like every year, It’s hard to find the right tools to compare health plan costs and coverage during open enrollment.

This often leaves many Americans underinsured or without the right coverage for their needs.

Market Factors That Make This Worse

  • Healthcare costs are getting harder and harder to calculate. Co-pays, out-of-pocket expenses, and monthly premiums are just the start. There is more coverage and expense complexity each year.

  • Healthcare plans are changing – what might have been considered a “PPO” 10 years ago looks very different from a “PPO” today. Consumers need to be vigilant of these year to year changes and the new financial exposure they can create.

  • More and more employees are switching healthcare plans from traditional plans like PPOs and HMOs to HDHPs. This is driven by employers benefits offerings, in fact 9 out of 10 employers will offer an HDHP in 2019.

  • Exact costs comparisons of healthcare plans are hard to find. When if comes time for healthcare selection, individualized cost comparisons (with predictive costs analysis), are required to get the full health plan cost projections.

We recognized this and have a clear and simple solution. Read on!

Health Plan Comparison Calculator

Lively’s health plan comparison calculator lets you project your estimated healthcare costs for two different plans. We will help you pick the plan that is most economical for you and works better with your expected health usage. To use this calculator, you’ll enter the plan expenses, medical service copays, and coinsurance of two different plans. You can compare HDHPs, PPOs and HMOs health plans.

You will need to add detailed health plan details like monthly premiums, annual deductibles, and out-of-pocket maximums to get a dollar to dollar comparison of your health plan options. We will also help you select and predict out-of-pocket health costs for the year. You can download the results via a PDF.

You can get started here.

Health Plan Comparison Calculator: How it Works

  • Step 1: Create your Health Insurance Profile

  • Step 2: Enter Your Health Plan Details (Option 1)

  • Step 3: Enter Your Health Plan Details (Option 2)

  • Step 4: Compare the Results

You can edit any expense details and/or download your free PDF health plan comparison. It’s that easy!

Need More Help? We have all of the on-demand resources you need to find the right health insurance plan.

Health Insurance Comparision Guide



Lively is the modern HSA experience built for—and by—those seeking stability in the ever-shifting healthcare landscape. By harnessing modern innovation and deep industry expertise, Lively is committed to bridging today’s savings with tomorrow’s unknowns. Unlike traditional institutions hindered by bureaucracy, Lively’s commitment extends beyond initial set up to providing dedicated, ongoing support and education for every step. So each HSA can reach its maximum potential with minimal headache.

piggy bank on pink background


2024 and 2025 HSA Maximum Contribution Limits

Lively · May 9, 2024 · 3 min read

On May 9, 2024 the Internal Revenue Service announced the HSA contribution limits for 2025. For 2025 HSA-eligible account holders are allowed to contribute: $4,300 for individual coverage and $8,500 for family coverage. If you are 55 years or older, you’re still eligible to contribute an extra $1,000 catch-up contribution.

comparing hsa versus fsa


What is the Difference Between a Flexible Spending Account and a Health Savings Account?

Lauren Hargrave · February 9, 2024 · 12 min read

A Health Savings Account (HSA) and Healthcare Flexible Spending Account (FSA) provide up to 30% savings on out-of-pocket healthcare expenses. That’s good news. Except you can’t contribute to an HSA and Healthcare FSA at the same time. So what if your employer offers both benefits? How do you choose which account type is best for you? Let’s explore the advantages of each to help you decide which wins in HSA vs FSA.

Benefits of HSA employer matching

Health Savings Accounts

Ways Health Savings Account Matching Benefits Employers

Lauren Hargrave · October 13, 2023 · 7 min read

Employers need employees to adopt and engage with their benefits and one way to encourage employees to adopt and contribute to (i.e. engage with) an HSA, is for employers to match employees’ contributions.

Disclaimer: the content presented in this article are for informational purposes only, and is not, and must not be considered tax, investment, legal, accounting or financial planning advice, nor a recommendation as to a specific course of action. Investors should consult all available information, including fund prospectuses, and consult with appropriate tax, investment, accounting, legal, and accounting professionals, as appropriate, before making any investment or utilizing any financial planning strategy.



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