Which medical plan will cost
you the least?

Answer a few quick questions about how you expect to use care, and we'll estimate your total cost under the 2026 Madison plans available to you — premium, out-of-pocket, the district's annual HSA contribution where applicable, and tax savings.

Runs entirely in your browser — nothing is saved or sent.

First, tell us about you

Which employee group are you in?

Your answer determines the plans, monthly contributions, and district annual HSA amounts used in your estimate.

First, the basics

Who are you covering?

What matters more?

What matters more to you?

There's no wrong answer — it just helps us frame the trade-offs when we show you the math.

Doctor visits

How often do you see the doctor in a year?

A rough estimate for the year is fine.

Preventive check-ups $0

Covered 100% — annual physical, well-child, routine screenings

Primary-care (sick) visits

A cold, infection, injury, or follow-up

Specialist visits

Dermatology, orthopedics, cardiology, etc.

Unexpected care

Any urgent care or ER visits expected?

No crystal ball required — just a rough guess. An active lifestyle can mean the odd weekend urgent-care visit or occasional ER trip, and estimating it helps us get your numbers right.

Urgent-care visits

Walk-in clinic for minor, urgent issues

Emergency-room visits

Hospital ER for serious emergencies

Prescriptions

How about medications?

We just need the meds you take regularly, in two buckets. Not sure whether something's generic or brand? Your pharmacy label says.

Short-term — a few times a year

Short-term prescriptions

One-off fills like an antibiotic (Z-Pack) or an infection. How many courses in a typical year? Most are generic, so we count each as a single copay.

Ongoing — taken every month

Ongoing generic medications

Maintenance meds you refill monthly — we'll do the 12-fills-a-year math. Just count how many different generics.

Ongoing brand-name medications

Same idea, higher-cost name-brand drugs. Count how many different brand meds.

Specialty medications $0

Covered via Specialty Advocacy — $0 to you, handled outside the plan

The year ahead

Any significant upcoming healthcare events that you're aware of?

Almost there

Roughly, what's your annual household income?

We use this only to estimate your potential tax savings from paying for care with pre-tax dollars. Nothing is saved.

Last one

What kind of plan are you on today?

Totally optional. Many people prefer to keep the type they already have — if you're on an HSA, we'll put those options first.

Your personalized estimate

Your best match is —

Plans ranked by your estimated total cost — lowest first — based on the information you provided. This is an estimate, not a guarantee of coverage, provided to support your enrollment review. Consult plan details for a complete review of coverage.

Preventive care & specialty medications are $0. For an HSA plan, total = premium ＋ your expected out-of-pocket − the district's annual HSA contribution, capped at the plan's out-of-pocket maximum. PPO and MedFlex estimates do not include an employer account contribution. Premiums are the monthly amounts straight from payroll; your per-paycheck deduction depends on how many pay periods you have. Estimate only — not a quote.

Plan	Deductible S/F	OOP max S/F	Office visits	District Annual HSA S/+1/Fam
CDHP with HSA	$3,400 / $6,000	$4,000 / $8,000	10% after deductible	HSA · $1,000 / $2,000 / $2,000
PPO	$500 / $1,000	$6,600 / $13,200	20% after deductible	—

Service	Cost	Service	Cost
Preventive visit	$0	ER visit	$2,600
Primary-care (sick)	$125	Having a baby (blended)	$20,000
Specialist	$150	Planned surgery	$13,500
Urgent care	$200	Chronic condition / yr	$5,000
Generic Rx / fill	$22	Brand Rx / fill	$311
Specialty Rx (member)	$0	Each Rx = ~12 fills/yr	assumption

Which medical plan will costyou the least?

Your best match is —

Which medical plan will cost
you the least?