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Use this tool to estimate your annual costs and make an informed decision about which medical plan to choose.

Tell us about you
Coverage level selected:
Coverage level selected:
Tell us what's most important to you about a healthcare plan

Choosing a healthcare plan can be a balancing act. Some people may prefer plans with lower premiums, while others may prefer plans with lower anticipated total costs. Another factor that might matter is whether a plan offers an associated savings account. What matters most to you?

In the results, the tool will not highlight any specific plan.

In the results, the tool will highlight the plan with the lowest employee annual premiums.

In the results, the tool will highlight the plan with the lowest estimated employee total costs (i.e. including an estimate for anticipated out-of-pocket costs.)

In the results, the tool will highlight the plan with the lowest estimated employee worst case total costs (i.e. including an estimate for potential worst case out-of-pocket costs.)

In the results, the tool will highlight the plan with access to a Health Savings Account (HSA) that has the lowest estimated employee total costs.

In the results, the tool will highlight the plan with access to a Flexible Spending Account (FSA) that has the lowest estimated employee total costs.

Enter your expected plan usage

Think about the amount of healthcare that you and any covered family members may need in the coming year. Use the menu(s) below to select from a variety of "quick scenarios". For definitions of the different usage levels, please see the . For definitions of the different usage levels, please see the and the . Or, you can create your own scenario under the "My own scenario" tab by customizing the frequency of each type of service. You can also view the .

Compare how much you'll spend
Coverage level:

Based on your inputs and what you indicated matters most to you, the plan with the lowest employee annual premiums is the the lowest estimated employee total costs is the lowest estimated employee worst case total costs is the access to an HSA with the lowest estimated employee total costs is the access to an FSA with the lowest estimated employee total costs is the .

No plan matched your specified criteria.

*Available only in Central OH. Assumes only CIN providers are utilized in the OhioHealthy Value Plan; out-of-pocket costs will be higher if services are provided by non-CIN providers.

Compare how much you'll spend (continued)

See the impact of using your HSA

A Health Savings Account (HSA) can help you save on taxes when paying for care and planning ahead for future expenses.

I am age 55 or older and qualify for the increased HSA contribution limit.

Your proposed for 2024, excluding Huntington's contribution.
HSA:
My desired HSA contribution: .
HSA contribution changed. Scroll up to see updated chart.
FSA:
My desired FSA contribution: .
FSA contribution changed. Scroll up to see updated chart.

Slide the bars above to see how savings account contributions can help you cover your out-of-pocket healthcare costs.

Unused account funds you could carry over from 2021, if any:
Funds carried over from 2021: .
Carryover amount changed. Scroll up to see updated chart.

 .

Cost of care
Before claims
Claim reimbursements
After claims
 
Company funding
Employee funding*
Employee funding (to be determined next)
Contribution limit
Company match
Company funding
Carried over from 2021
Carried over from 2021 (to be determined next)
Total funding
Applied to cost of care
Forfeited excess rollover
Potential rollover amount
*Subject to applicable plan limits.

Did you find this comparison useful?

Employee plan premiums by pay period:
 
Paid weekly
Paid monthly
Tools to Save on Taxes

When you finish estimating your medical costs, use the results to help you decide whether contributing to a Health Savings Account (HSA) can help you save on taxes.

Tax Calculator
Plan: Plan Name

* The maximum contribution you may make has been reduced by the company's funding amount.

Tax Calculator (continued)

(Exclude you and your spouse)

Use the sliders above to estimate your eligible out‑of‑pocket medical expenses for the upcoming plan year.

Income tax filing status:
Number of dependents:

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:
Copays
Deductibles+
Coinsurance+
Not covered+
 
Funds used–
 
Employee's base annual premiums
Tobacco use surcharge
Spouse/HM surcharge
Company wellness rewards
Employee's net annual premiums
Company's base annual premiums
Company wellness rewards
Company's net annual premiums
:

Welcome to the Health Care Plan Cost Estimator tool. The purpose of this tool is to assist you in choosing a medical plan and understanding the advantages of tax-free accounts by helping you estimate your annual medical expenses.

We respect your privacy. None of the information you use to calculate your out-of-pocket costs can be collected or tracked, including your expected annual medical care expenses. When you navigate away from the Health Care Plan Cost Estimator tool, your information is automatically discarded. You can print your selections and criteria from the Health Care Plan Cost Estimator tool. Please keep your printouts secure and use caution when printing to shared printers.

By using this tool, you are automatically agreeing that you understand and accept the following:

Estimates are based on national average medical costs. Because costs can vary by provider and not all service details are included, actual costs may differ from what is shown in the Health Care Plan Cost Estimator. Actual costs may also vary based on the order in which services are incurred and by the specific family member using a service (if applicable). In the event of any contradiction between the information contained in this tool and the Plan Documents, the Plan Documents shall govern in all cases.

The Health Care Plan Cost Estimator is designed to give you a general idea of what your health care costs may be under each of the Huntington medical plan options. The tool helps you:

To determine if either of these tax-advantaged accounts makes sense for you, you can use the tax calculator when you finish estimating your health care costs.

Important Legal Information
This tool is a financial comparison tool that allows you to estimate relative costs across Huntington's medical options. Estimates are based on average Midwest medical cost data from a third-party administrator and most of the specific provisions of Huntington's medical plan options. Because costs vary by provider and not all option details are included, actual costs will vary from the costs the Health Care Plan Cost Estimator provides. Actual costs may also vary based on the order in which they are incurred and by the specific family member using a service (if applicable).

In the event of any contradiction between the information contained in this tool and the Plan Documents, the Plan Documents shall govern in all cases. Use of this tool does not enroll you in a Huntington medical plan option or the HSA.

To protect your privacy, your entries are not systematically tracked or saved. Please remember to print any scenarios you want to look at later — your information is deleted when you close this window or go to another web page.

Optimal Viewing

This tool is designed for optimal performance in recent versions of Google Chrome, Mozilla Firefox, Microsoft Edge, and Apple Safari. If you are using an earlier version or a web browser not listed, you may experience errors or be unable to use the tool. In this case, please access the tool again using one of the listed web browsers. For best viewing, set the screen resolution to 1024 x 768 or higher.

This tool does not store your personal information nor your expected healthcare usage in any database. Such information is automatically discarded when you navigate away from this tool.

You can preserve your modeled scenario for later use by bookmarking the URL shown below. Your selections are encoded in this URL, so do not share it with others if you wish to keep private any details in your scenario.

Here's a text version if you would prefer to copy and paste the URL:

This scenario URL might not be valid in a future version of this tool, so consider also printing your results using the "Print" link found within the tool. Please keep your printouts secure and use caution when sending to shared printers.

The following healthcare cost assumptions are used in the tool:

Please note that the estimates are based on average healthcare costs.

Because costs can vary by provider and by region, your actual costs may differ from the national averages used by this tool.

Unit costs above represent the average allowed charge for each service. The allowed charge is the amount of submitted charges eligible for payment for all claims according to health plan documents/contracts. Specifically, it is the amount eligible after applying pricing guidelines, but before deducting third party, copayment, coinsurance, or deductible amounts. The allowed charge represents the amount a plan will consider for adjudication for a covered service. The unit costs above include network and non-network services.

In the event of any discrepancy between the information contained in this tool and official plan documents, the latter shall govern in all cases.

Please select the group that applies to you.

Indicate whether you would like to include coverage for yourself, or for yourself and a spouse or household member.

If you have more than five children, consider combining expenses for children to estimate your total family costs.

Please select the region that best represents where you live. While costs vary somewhat from region to region, the differences are generally not significant and may not affect your overall results.

Please indicate your salary band. Annual employee premiums will vary based on your selection.

2024 Wellness Dollars

If you select "Yes", the tool will assume you earned the maximum possible dollar amount for the selected coverages.

You will receive a discounted rate if you are a not a tobacco user and if your covered spouse/household member is not a tobacco user.

You pay a surcharge if coverage for your spouse or household member is available through his/her employer.

healthcare usage means that you and your family typically only use your medical coverage for preventive care (i.e., some lab tests and preventive prescription drugs) and one or two doctor visits a year.

healthcare usage means that you and your family see the doctor a few times a year for an illness, an injury or a chronic condition and incur prescription drug costs.

healthcare usage means that you and your family use your medical coverage to manage a complex condition, injury or procedure that requires a number of doctors' visits, prescription drugs on a regular basis and perhaps an inpatient hospital stay.

medical usage means that you and your family typically only use your medical coverage for preventive care (e.g. some lab tests) and one or two doctor visits a year.

medical usage means that you and your family see the doctor a few times a year for an illness, an injury or a chronic condition.

medical usage means that you and your family use your medical coverage to manage a complex condition, injury or procedure that requires a number of doctors' visits and perhaps an inpatient hospital stay.

prescription usage

prescription usage

prescription usage

2024 Wellness Dollars

Your 2024 Contribution
You decide how much you want to contribute up to the following IRS limits for 2024:

The maximum amount you can contribute will be reduced by your 2024 Wellness Dollars.

Your health care plan options include:

Depending on your home zip code, you may have more than one provider network to choose from:

This Health Plan Cost Comparison tool will help you determine which plan may provide you with the best value for the money among the healthcare plans offered. During open enrollment, you will choose which provider network you want for the specific type of plan you chose.

In order to estimate the cost of care ("out-of-pocket costs") and other amounts displayed in the plan comparison chart, the Health Care Plan Cost Estimator applies certain plan provisions to your selected healthcare usage assumptions and the contained in the tool. For your convenience, the table below describes the plan provisions modeled by this tool.

This table describes only the subset of plan provisions and services that are modeled in this tool and is not a substitute for plan documents. For complete terms and conditions, refer to official plan documents. In the event of any discrepancy between information contained in this tool and official plan documents, the latter shall govern in all cases.

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