Aetna HDHPLowest estimated cost
Estimated annual cost
$6,660
$555 / month equivalent
- Employee premiums
- Medical expenses after HSA
- $2,700
- Employer HSA contribution
- $2,000
Medical plan comparison
Find the plan that
fits your life.
A little clarity goes a long way. Compare premiums, expected medical expenses, and employer HSA contributions to understand your annual costs.
Start here
A clearer view of your options.
This calculator compares Aetna HDHP, Aetna PPO, and Kaiser HMO costs under low and high medical usage scenarios.
- 1
Choose who you’ll cover
Select your coverage tier. All four tiers are preloaded with Rakuten's plan benefits and employee contributions.
- 2
Think about your care needs
Compare low and high use as two possible scenarios. Your actual needs may fall somewhere in between.
- 3
Compare your annual costs
Review premiums and medical expenses after the employer HSA contribution.
Low utilization
Includes few regular office visits, some generic and few brand name medications, and no hospitalizations nor emergency room use.
High utilization
Includes many regular office visits, many generic and brand name medications, and some hospitalizations and emergency room use.
What goes into the estimate?
Your employee premiums, plus expected medical expenses after insurance and employer HSA funds. The supplied medical expense figures already include the HSA adjustment.
Annual premiums + medical expenses after HSA
= Estimated annual cost
= Estimated annual cost
Medical expenses after HSA cannot go below $0. Tax savings and employee HSA contributions are not included.
About the estimates: Amounts are intended to provide guidance when selecting a plan. They are based on assumed cost and frequency of care need, your actual costs will vary. The employer HSA contribution is fixed at $1,000 for employee-only coverage and $2,000 for coverage with dependents. Estimates assume in-network care; review your plan documents for coverage and current costs.
Your plan comparison
Employee + family · Low use
Aetna PPOLowest estimated cost
Estimated annual cost
$11,050
$920.83 / month equivalent
- Employee premiums
- Medical expenses
- $850
- Employer HSA contribution
- $0
Kaiser HMOLowest estimated cost
Estimated annual cost
$9,200
$766.67 / month equivalent
- Employee premiums
- Medical expenses
- $800
- Employer HSA contribution
- $0
See the full picture
PremiumsMedical expenses after HSA
Compare both use scenarios. All amounts are annual.
| Medical plan | Employee premiums | Employer HSA funds | Low-use medical after HSA | High-use medical after HSA | Low-use total | High-use total |
|---|---|---|---|---|---|---|
| Aetna HDHP | ||||||
| Aetna PPO | ||||||
| Kaiser HMO |
Medical expenses already reflect usage of Rakuten-provided HSA funds. The HSA contribution is shown for reference and is not subtracted again.
Source amounts & calculation method
The employer HSA contribution is fixed at $1,000 for employee-only HDHP coverage and $2,000 for all HDHP tiers with dependents. PPO and Kaiser HMO have no employer HSA contribution.
Annual cost = annual employee premiums + medical expenses after HSA. The source table’s medical expenses already include the HSA adjustment, so the contribution is not subtracted again.
High use represents frequent visits, including emergency room care, reaching the HDHP and PPO plans' out-of-pocket maximums. The calculator uses the table’s resulting medical expense estimates; it does not calculate cost sharing from actual billed charges. Tax savings and employee HSA or FSA contributions are not included.
Estimated costs assume in-network providers. Actual costs will vary depending on the care you and your family receive.
HDHP vs PPO
Rakuten strongly believes in the value of the HDHP plan offering due to the lower premiums and Rakuten's ability to fund your HSA. Rakuten also recognizes the HDHP may not be right for everyone as you must satisfy your deductible before the plan covers a portion of your care and you must be comfortable owning and managing the HSA.