PPO Buy-up

I have prepared a spreadsheet with some examples of different healthcare scenarios for you to look at if you are currently doing the PPO buyup or are considering a change from the high deductible plan. I have not been able to find an example where it is cheaper to do the PPO buyup altough I have not looked at every possible example, but I think that for most people it will be more expensive to do the PPO buyup.

The scenarios I have listed do not include the savings on taxes that HD/HSA plan holders realize. Generally speaking, every $1000 you contribute costs you about $750. If you put in $4000, it would only cost you $3000.