<prompt> Human: With open enrollment coming up, Ive finally decided to create a top-level post with this spreadsheet instead of linking to it occasionally in comments as Ive done for the last year.The primary thing the spreadsheet does is figure out the out-of-pocket cost for various levels of healthcare expenses for two different plans, taking into account all tax considerations for premiums and HSA contributions. Its intended to compare a high deductible plan and HSA with a low deductible plan, but it could certainly be tweaked to compare any two plans.One thing to remember is that the more you contribute to your HSA, the better the high deductible plan becomes. So if you arent contributing up to the max already, try plugging in a bigger number and see what happens.edit: Make a copy of the spreadsheet so you can edit!edit 2: Please take note of the limitations of the spreadsheet before making any final decisions. Particularly the lack of support of FSA accounts andFSA now supported! heavy use of services that arent subject to the deductible on one plan but are on the other.edit 3: Check out this worksheet if you expect a lot of expenses that would be subject to a co-pay instead of the deductible on one of your plans. It doesnt take into account State or FICA tax deductions but seems to be pretty solid on everything else.  <response>: Just popping in to say that this is super awesome. THANK YOU. 