2027 open enrollment · Medicare · Excel + Google Sheets

Every plan's real yearly cost, with the math shown.

A low premium can cost more in a bad year. A high deductible can cost less once employer HSA money and tax savings count. Add it all up before you choose.

See the workbooksTry the free quick check

The workbooks

Instant download for Excel and Google Sheets. Made-up example plans show how each one works; delete them and type in yours.

For work and marketplace plans

2027 Health Plan Chooser

$9

  • Up to 4 plans: PPO, HMO, EPO, HSA-eligible, marketplace
  • Net yearly cost for a low, expected and high-use year, plus the worst case
  • Employer HSA/HRA money and HSA tax savings, with the 2027 IRS limits
  • Per-person family deductibles, copays after the deductible, drug tiers, out-of-network care
  • Bonus HSA receipt log

For you, or a parent you're helping

2027 Medicare Plan Comparison

$12

  • Up to 5 options: Medicare Advantage HMO/PPO, Original Medicare + Medigap + Part D, or Original only
  • Yearly totals for a low, expected and high-use year, plus the worst case
  • Hospital stays, skilled nursing days, out-of-network care and income-based premiums (IRMAA)
  • Network and prior-authorization warnings, plus an enrollment checklist

Choosing your plan and a parent's

2027 Open Enrollment Bundle

$17 both workbooks, $4 less than separately

  • The Health Plan Chooser with the HSA receipt log
  • The Medicare Plan Comparison with the enrollment checklist

Free quick check: two plans, one yearly number

Type in two plans from your benefits guide. The example numbers are made up; replace them. For three kinds of year, family deductibles, drug tiers and out-of-network care, use the full workbook.

Your expected year of care

Federal + state + 7.65% if you deposit through payroll. The example uses 22 + 6 + 7.65. California and New Jersey tax HSA deposits, so leave out the state rate there.

The mathPPO 500HSA Plan 1800

Example numbers. A comparison tool, not insurance, tax or financial advice. It doesn't recommend a plan; confirm every number with your plan documents.

Medicare enrollment checklist

For you or a parent, before Dec 7, 2026. Changes take effect Jan 1, 2027.

  1. Read the Annual Notice of Change from the current plan. It lists what changes on Jan 1: premiums, copays, drug coverage, networks.
  2. List every drug with its dose and how often it's taken.
  3. List the doctors, hospitals and pharmacy that matter most, and check each plan's network for 2027.
  4. Get each plan's yearly drug cost from the Medicare Plan Finder.
  5. Ask which services and drugs need prior authorization under each plan.
  6. Compare a light year and a bad year, not just the premium. A $0-premium plan can cost more in a year with a hospital stay.
  7. Book free one-on-one counseling with your State Health Insurance Assistance Program (SHIP).
  8. Enroll by Dec 7, 2026. People already in Medicare Advantage get one more switch from Jan 1 to Mar 31, 2027.

2027 figures, confirmed with CMS: Part D out-of-pocket cap $2,400; Medicare Advantage in-network limit up to $9,850 ($14,800 combined for PPOs). The 2027 Part B premium had not been announced as of Oct 9, 2026 (2026: $202.90 a month).