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

Tell Us About You
Coverage level selected:
Coverage level selected:
Tell us What's Important to You About a Medical 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.

Note: Another factor may be network access—the Open Access PPO and Open Access HSA Plans offer access to Cigna Open Access Plus (OAP) providers, and the LocalPlus EPO Plan offers access to Cigna LocalPlus (LP) network providers. You'll save money when you stay in-network.

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 medical premiums. A premium is the amount you pay per paycheck.

In the results, the tool will highlight the plan with the lowest overall 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 employee total costs. An HSA is a tax-free savings account you can use to pay for eligible health expenses, anytime, even in retirement.

In the results, the tool will highlight the plan with access to a Healthcare Flexible Spending Account (FSA) that has the lowest employee total costs. A Healthcare FSA is a tax-free spending account you can use to pay for eligible healthcare expenses (medical, dental, vision).

Enter Your Expected Plan Usage

Think about the type and frequency 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 and the . Or, you can create your own scenario under the "My Own Scenario" tab by customizing the detail for each service, based on your anticipated utilization. You can also view the for each service.

Compare How Much You'll Spend
Coverage level:
One or more plans below is excluding funding that would reduce the cost of care.
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 out-of-pocket costs 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.

*The LocalPlus EPO plan is only available for in-network services so make sure that your providers are in network.

Compare how much you'll spend (continued)

See the Impact of Using Your HSA or Healthcare FSA

A Health Savings Account (HSA) or Healthcare Flexible Spending Account (FSA) 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.

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 spending and savings account contributions can help you cover your out-of-pocket healthcare costs

Do you anticipate you'll have unused funds from 2023 available to use in 2024? Enter the amount here.
Funds carried over from 2023: .
Carryover amount changed. Scroll up to see updated chart.

 .

Cost of care
Before claims
Claim reimbursements
After claims
 
Hospital contributions
Employee contributions*
Employee contributions (to be determined next)
Contribution limit
Company match
Hospital contributions
Carried over from 2023
Carried over from 2023 (to be determined next)
Total funding
Applied to cost of care:
*Subject to applicable plan limits.

Did you find this comparison useful?

Employee plan premiums by pay period:
 
Paid weekly
Paid monthly
View Your Potential Tax Savings

Use this tax calculator to see the benefits of contributing to a plan's tax-advantaged savings account.

Select a plan in the dropdown menu below and then click "Show the tax calculator".

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 healthcare expenses for the upcoming plan year.
Income tax filing status:
Number of dependents:

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:
Copays
Deductibles+
Coinsurance+
Not covered+
 
Funds used–
 
Notes:
  • No deductible limit has been met
  • At least one deductible limit has been met
  • No out-of-pocket maximum has been reached
  • At least one out-of-pocket maximum has been reached
  • Only company funds applied.
  • Only employee funds applied.
  • No funds applied.
Employee's base annual premiums
Tobacco use surcharge
Spouse surcharge
Hospital wellness incentives
Employee's net annual premiums
Hospital's base annual premiums
Hospital wellness incentives
Hospital's net annual premiums
:

Welcome to the Medical Plan Cost Estimator tool. The purpose of this tool is to assist you in choosing a medical plan that’s right for you, and help you estimate your annual medical expenses.

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

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

Estimates are based on Chicago Metro Services Area healthcare costs. Because costs vary by provider and not all service details are included, actual costs during the plan year may differ from what is shown in the Medical Plan Cost Estimator. Actual costs during the plan year 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.

This tool is designed to help you choose the medical plan that is right for you in two easy steps:

Then, you'll be able to see an estimate of what you'll spend annually for the upcoming year under each medical plan option. You can also use the savings account section to consider how much you should contribute on a before-tax basis to cover your expected medical expenses.

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 Chicago Metro Services Area healthcare costs.

Because costs can vary by provider and by region, your actual costs during the plan year may differ from the Chicago Metro Services Area 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 partner.

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 employment status. Annual employee premiums will vary based on your selection.

You can earn the 2024 medical plan wellness incentive by engaging in and completing two healthy activities before November 30, 2023:

You'll get additional savings on your medical plan premiums if your enrolled spouse also completes these activities.

Employees who are tobacco users will have a surcharge applied to their medical plan premiums. Employees enrolling in a medical plan for the first time will be required to complete a tobacco attestation during enrollment. Lurie Children's is committed to your health and offers Tobacco Cessation Programs through Cigna.

A premium surcharge may apply if your spouse is offered medical coverage through his or her employer but you choose to cover him or her instead.

Select "No" if your spouse does not work or is not eligible for medical coverage through his or her employer. The surcharge would not apply.

Select "Yes" if your spouse is eligible for medical coverage through his/her employer and is not enrolled in his or her employer's plan. The surcharge would apply.

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

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

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

prescription usage

prescription usage

[Information about savings account options could go here]

See also

With a Healthcare Flexible Spending Account, you can carry over up to $610, any remaining funds are forfeited.

With a Health Savings Account (HSA), you will never forfeit any money left in your HSA — it rolls over year after year. Just remember, you can only spend HSA money that's actually been deposited into your account.

With a Healthcare Flexible Spending Account, you can only carry over up to $610 of unused money in your Healthcare FSA to the next year; you will forfeit amounts above $610. Unused Healthcare FSA dollars will be forfeited if you enroll in an HSA the following year.

Reminder: While not reflected as part of "potential rollover amount," if you enroll in the Open Access HSA, you can also contribute money to a Limited Purpose FSA to help cover eligible dental and vision expenses only.

To estimate the cost of care ("out-of-pocket costs") and other amounts displayed in the plan comparison chart, this tool 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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Want a better understanding of your health benefits? All it takes is a minute or two! These short videos explain key terms and concepts.