Medical Plan Cost Estimator Tool

Please wait — the Medical Plan Cost Estimator is loading...

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

Step 1: Tell us about you
Step 2: Tell us about your and your family's health care needs for the coming year

Use the dropdown box to select Low, Medium, or High health care usage for each family member. (832) 487-4438 that were used in the tool.

Note: Specialty medication may significantly increase all health care estimations.

Step 3: See what you'll spend annually

Coverage level:

Compare how much you'll spend (continued)

Total employee medical expenses (indicated by a number above each bar) – excludes all company costs. Use step 4 to see how your HSA can help you pay these expenses. Results assume you use the entire HSA amount contributed by Spectra Energy to pay for expenses.

I am ready to enroll!

Step 4: Optional Contributions: HSA

A Health Savings Account (HSA) or Flexible Spending Account (FSA) can help you save on taxes when paying for care and planning ahead for future expenses.
Apply available funding (including company funding) toward the cost of care. I wish to apply available funding (including company funding) toward the cost of care. I do not wish to apply available funding (including company funding) toward the cost of care.
The maximum amount you can contribute is limited by the IRS. If you are 55 or older, check this box to allow up to an additional $1,000 in contributions. I am age 55 or older and qualify for the increased HSA contribution limit.
Slide this bar to see how your HSA contributions can help you cover your out of pocket health care costs.
My desired HSA contribution: .
My desired FSA contribution: .
Cost of care
Before HSA claims
Claim reimbursements
After HSA claims
 
Your HSA Contribution
Spectra Energy's assumed contributions to your HSA
Contribution limit
Company match
Applied to Cost of Care
Forfeited excess rollover
Potential Rollover Amount
*Subject to applicable plan limits.

Step 5: Find out how you can save on taxes

When you finish estimating your health care costs, use the results to decide which tax savings vehicle applies to your plan.
Step 5: Find out how you can save on taxes

When you finish estimating your health care costs, use the results to decide which tax savings vehicle applies to your plan.

Tax Calculator
Plan: Plan Name

Tax Calculator (continued)

(Exclude you and your spouse)

Use the sliders above to estimate your eligible out‑of‑pocket medical expenses for the upcoming plan year.

Income tax filing status:
Number of dependents:

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