{ "tool_id": "art-758-hdhp-ppo-break-even", "note": "18 vectors. 6 live vectors (v1..v6) reproduce the Apex #105 page's own defaults and worked variants (APEXPORT-105 VECTORS.md); b1a/b1b, b2a/b2b, b3a/b3b carry the 6 boundary fixtures at and just past every comparator ($50 grid break-even predicate hdhp<=ppo at 250/350, STRICT winner hdhpART758_ with the void staging number, per APEX-PORT-ARTNUM-ALLOC-1); golden_hash is executionHash(policy_parameters, output_payload) per _hash.mjs (OCG JCS-SHA-256). Ported from Apex #105 page fetched 2026-10-13, sha256 ba3010ef002501d03ffc95fcc0c75ca1038235c230554e2df067dec57649a460 (APEXPORT-105 payload at bus pin c0d61c8f, GRADES PASS-PENDING-XV 2026-10-14, Builder-verifies-at-land 12/12 re-executed 2026-10-19 per the Tim 2026-10-18T21:20Z extend-ruling). Boundary semantics per payload VECTORS.md: b1a crosses at grid 250 (at s=200 totals are equal, 200 last grid point before crossing; at 250 hdhp 1280.00 <= ppo 1330.00); b1b raises the HDHP premium $10, crossing moves to grid 350. human_sign_off: PENDING.", "vectors": [ { "name": "v1-page-defaults-individual", "policy_parameters": { "as_of": "2026-10-13", "coverage": "individual", "hdhp_premium_monthly": 180, "hdhp_deductible": 2800, "hdhp_oop_max": 7000, "hdhp_coinsurance_pct": 20, "ppo_premium_monthly": 380, "ppo_deductible": 500, "ppo_oop_max": 5000, "ppo_coinsurance_pct": 20, "employer_hsa": 500, "additional_hsa": 1500, "marginal_tax_rate_pct": 22, "expected_annual_spend": 2000 }, "output_payload": { "as_of": "2026-10-13", "coverage": "individual", "break_even_spend": 0, "hdhp_total_at_expected": 4155.6, "ppo_total_at_expected": 5360, "winner": "HDHP", "savings": 1204.3999999999996, "hsa_total_applied": 2000, "hsa_tax_shield": 440, "comparison_table": [ { "spend": 0, "hdhp_total": 2155.6, "ppo_total": 4560, "hdhp_saves": 2404.4 }, { "spend": 1500, "hdhp_total": 3655.6, "ppo_total": 5260, "hdhp_saves": 1604.4 }, { "spend": 2000, "hdhp_total": 4155.6, "ppo_total": 5360, "hdhp_saves": 1204.3999999999996 }, { "spend": 3000, "hdhp_total": 4995.6, "ppo_total": 5560, "hdhp_saves": 564.3999999999996 }, { "spend": 5000, "hdhp_total": 5395.6, "ppo_total": 5960, "hdhp_saves": 564.3999999999996 }, { "spend": 10000, "hdhp_total": 6395.6, "ppo_total": 6960, "hdhp_saves": 564.3999999999996 }, { "spend": 15000, "hdhp_total": 7395.6, "ppo_total": 7960, "hdhp_saves": 564.3999999999996 }, { "spend": 20000, "hdhp_total": 8395.6, "ppo_total": 8960, "hdhp_saves": 564.3999999999996 } ], "recommendation": "HDHP_BETTER", "refusals": [], "refusal_reason": null, "domain_errors": [], "scope_note": "Plan-cost model only: premium + in-network cost sharing to the OOP maximum, minus the HSA tax shield on contributions up to the coverage limit. No FSA/HRA interactions, no out-of-network or balance-billing, no prescription-tier carve-outs, no premium tax credits, no state-specific HSA deduction rules, and no investment growth on HSA balances. The HSA catch-up contribution for age 55+ is not applied (the source page does not apply it). Totals are the source page's own dollar arithmetic, unrounded; display rounds to cents." }, "golden_hash": "1fa06e3372d6859c85ca355724308121843122a89e25f529e19ae4ff110fa306" }, { "name": "v2-family-high-spend", "policy_parameters": { "as_of": "2026-10-13", "coverage": "family", "hdhp_premium_monthly": 240, "hdhp_deductible": 3000, "hdhp_oop_max": 8000, "hdhp_coinsurance_pct": 20, "ppo_premium_monthly": 520, "ppo_deductible": 750, "ppo_oop_max": 6000, "ppo_coinsurance_pct": 20, "employer_hsa": 1000, "additional_hsa": 4000, "marginal_tax_rate_pct": 24, "expected_annual_spend": 12000 }, "output_payload": { "as_of": "2026-10-13", "coverage": "family", "break_even_spend": 0, "hdhp_total_at_expected": 7668, "ppo_total_at_expected": 9240, "winner": "HDHP", "savings": 1572, "hsa_total_applied": 5000, "hsa_tax_shield": 1200, "comparison_table": [ { "spend": 0, "hdhp_total": 2868, "ppo_total": 6240, "hdhp_saves": 3372 }, { "spend": 1500, "hdhp_total": 4368, "ppo_total": 7140, "hdhp_saves": 2772 }, { "spend": 3000, "hdhp_total": 5868, "ppo_total": 7440, "hdhp_saves": 1572 }, { "spend": 5000, "hdhp_total": 6268, "ppo_total": 7840, "hdhp_saves": 1572 }, { "spend": 10000, "hdhp_total": 7268, "ppo_total": 8840, "hdhp_saves": 1572 }, { "spend": 12000, "hdhp_total": 7668, "ppo_total": 9240, "hdhp_saves": 1572 }, { "spend": 15000, "hdhp_total": 8268, "ppo_total": 9840, "hdhp_saves": 1572 }, { "spend": 20000, "hdhp_total": 9268, "ppo_total": 10840, "hdhp_saves": 1572 } ], "recommendation": "HDHP_BETTER", "refusals": [], "refusal_reason": null, "domain_errors": [], "scope_note": "Plan-cost model only: premium + in-network cost sharing to the OOP maximum, minus the HSA tax shield on contributions up to the coverage limit. No FSA/HRA interactions, no out-of-network or balance-billing, no prescription-tier carve-outs, no premium tax credits, no state-specific HSA deduction rules, and no investment growth on HSA balances. The HSA catch-up contribution for age 55+ is not applied (the source page does not apply it). Totals are the source page's own dollar arithmetic, unrounded; display rounds to cents." }, "golden_hash": "930b895f31f7e2370a2a37fec12d0e8e6116dca77ac1521169c1575dfde67495" }, { "name": "v3-ppo-wins-everywhere", "policy_parameters": { "as_of": "2026-10-13", "coverage": "individual", "hdhp_premium_monthly": 400, "hdhp_deductible": 6000, "hdhp_oop_max": 7000, "hdhp_coinsurance_pct": 30, "ppo_premium_monthly": 390, "ppo_deductible": 500, "ppo_oop_max": 4000, "ppo_coinsurance_pct": 10, "employer_hsa": 0, "additional_hsa": 0, "marginal_tax_rate_pct": 22, "expected_annual_spend": 3000 }, "output_payload": { "as_of": "2026-10-13", "coverage": "individual", "break_even_spend": null, "hdhp_total_at_expected": 7800, "ppo_total_at_expected": 5430, "winner": "PPO", "savings": 2370, "hsa_total_applied": 0, "hsa_tax_shield": 0, "comparison_table": [ { "spend": 0, "hdhp_total": 4800, "ppo_total": 4680, "hdhp_saves": -120 }, { "spend": 1500, "hdhp_total": 6300, "ppo_total": 5280, "hdhp_saves": -1020 }, { "spend": 3000, "hdhp_total": 7800, "ppo_total": 5430, "hdhp_saves": -2370 }, { "spend": 5000, "hdhp_total": 9800, "ppo_total": 5630, "hdhp_saves": -4170 }, { "spend": 10000, "hdhp_total": 11800, "ppo_total": 6130, "hdhp_saves": -5670 }, { "spend": 15000, "hdhp_total": 11800, "ppo_total": 6630, "hdhp_saves": -5170 }, { "spend": 20000, "hdhp_total": 11800, "ppo_total": 7130, "hdhp_saves": -4670 } ], "recommendation": "PPO_ALL_LEVELS", "refusals": [], "refusal_reason": null, "domain_errors": [], "scope_note": "Plan-cost model only: premium + in-network cost sharing to the OOP maximum, minus the HSA tax shield on contributions up to the coverage limit. No FSA/HRA interactions, no out-of-network or balance-billing, no prescription-tier carve-outs, no premium tax credits, no state-specific HSA deduction rules, and no investment growth on HSA balances. The HSA catch-up contribution for age 55+ is not applied (the source page does not apply it). Totals are the source page's own dollar arithmetic, unrounded; display rounds to cents." }, "golden_hash": "2b204a941dc63c0290b959cf1de1c5cbe1a58a3c5fefdf616c144f12d34f6227" }, { "name": "v4-no-hsa-contribution", "policy_parameters": { "as_of": "2026-10-13", "coverage": "individual", "hdhp_premium_monthly": 200, "hdhp_deductible": 1500, "hdhp_oop_max": 5000, "hdhp_coinsurance_pct": 20, "ppo_premium_monthly": 300, "ppo_deductible": 500, "ppo_oop_max": 3000, "ppo_coinsurance_pct": 20, "employer_hsa": 0, "additional_hsa": 0, "marginal_tax_rate_pct": 24, "expected_annual_spend": 1000 }, "output_payload": { "as_of": "2026-10-13", "coverage": "individual", "break_even_spend": 0, "hdhp_total_at_expected": 3400, "ppo_total_at_expected": 4200, "winner": "HDHP", "savings": 800, "hsa_total_applied": 0, "hsa_tax_shield": 0, "comparison_table": [ { "spend": 0, "hdhp_total": 2400, "ppo_total": 3600, "hdhp_saves": 1200 }, { "spend": 1000, "hdhp_total": 3400, "ppo_total": 4200, "hdhp_saves": 800 }, { "spend": 1500, "hdhp_total": 3900, "ppo_total": 4300, "hdhp_saves": 400 }, { "spend": 3000, "hdhp_total": 4200, "ppo_total": 4600, "hdhp_saves": 400 }, { "spend": 5000, "hdhp_total": 4600, "ppo_total": 5000, "hdhp_saves": 400 }, { "spend": 10000, "hdhp_total": 5600, "ppo_total": 6000, "hdhp_saves": 400 }, { "spend": 15000, "hdhp_total": 6600, "ppo_total": 6600, "hdhp_saves": 0 }, { "spend": 20000, "hdhp_total": 7400, "ppo_total": 6600, "hdhp_saves": -800 } ], "recommendation": "HDHP_BETTER", "refusals": [], "refusal_reason": null, "domain_errors": [], "scope_note": "Plan-cost model only: premium + in-network cost sharing to the OOP maximum, minus the HSA tax shield on contributions up to the coverage limit. No FSA/HRA interactions, no out-of-network or balance-billing, no prescription-tier carve-outs, no premium tax credits, no state-specific HSA deduction rules, and no investment growth on HSA balances. The HSA catch-up contribution for age 55+ is not applied (the source page does not apply it). Totals are the source page's own dollar arithmetic, unrounded; display rounds to cents." }, "golden_hash": "6500c80070d0ef01f282ee24f583e093532a7270226d1ca7310d7ca7a51cf0d3" }, { "name": "v5-hsa-cap-binds", "policy_parameters": { "as_of": "2026-10-13", "coverage": "individual", "hdhp_premium_monthly": 150, "hdhp_deductible": 2000, "hdhp_oop_max": 6000, "hdhp_coinsurance_pct": 20, "ppo_premium_monthly": 350, "ppo_deductible": 500, "ppo_oop_max": 4500, "ppo_coinsurance_pct": 20, "employer_hsa": 2000, "additional_hsa": 5000, "marginal_tax_rate_pct": 32, "expected_annual_spend": 4000 }, "output_payload": { "as_of": "2026-10-13", "coverage": "individual", "break_even_spend": 0, "hdhp_total_at_expected": 4185.92, "ppo_total_at_expected": 5400, "winner": "HDHP", "savings": 1214.08, "hsa_total_applied": 4400, "hsa_tax_shield": 1408, "comparison_table": [ { "spend": 0, "hdhp_total": 1785.92, "ppo_total": 4200, "hdhp_saves": 2414.08 }, { "spend": 1500, "hdhp_total": 3285.92, "ppo_total": 4900, "hdhp_saves": 1614.08 }, { "spend": 3000, "hdhp_total": 3985.92, "ppo_total": 5200, "hdhp_saves": 1214.08 }, { "spend": 4000, "hdhp_total": 4185.92, "ppo_total": 5400, "hdhp_saves": 1214.08 }, { "spend": 5000, "hdhp_total": 4385.92, "ppo_total": 5600, "hdhp_saves": 1214.08 }, { "spend": 10000, "hdhp_total": 5385.92, "ppo_total": 6600, "hdhp_saves": 1214.08 }, { "spend": 15000, "hdhp_total": 6385.92, "ppo_total": 7600, "hdhp_saves": 1214.08 }, { "spend": 20000, "hdhp_total": 7385.92, "ppo_total": 8600, "hdhp_saves": 1214.08 } ], "recommendation": "HDHP_BETTER", "refusals": [], "refusal_reason": null, "domain_errors": [], "scope_note": "Plan-cost model only: premium + in-network cost sharing to the OOP maximum, minus the HSA tax shield on contributions up to the coverage limit. No FSA/HRA interactions, no out-of-network or balance-billing, no prescription-tier carve-outs, no premium tax credits, no state-specific HSA deduction rules, and no investment growth on HSA balances. The HSA catch-up contribution for age 55+ is not applied (the source page does not apply it). Totals are the source page's own dollar arithmetic, unrounded; display rounds to cents." }, "golden_hash": "49d2973a06b2fb77e70bdf9eb5b8eae4d079e9179b89912b5dfc0a9a5ea3fa3c" }, { "name": "v6-positive-breakeven", "policy_parameters": { "as_of": "2026-10-13", "coverage": "individual", "hdhp_premium_monthly": 300, "hdhp_deductible": 1500, "hdhp_oop_max": 3000, "hdhp_coinsurance_pct": 20, "ppo_premium_monthly": 280, "ppo_deductible": 500, "ppo_oop_max": 7000, "ppo_coinsurance_pct": 20, "employer_hsa": 500, "additional_hsa": 500, "marginal_tax_rate_pct": 20, "expected_annual_spend": 6000 }, "output_payload": { "as_of": "2026-10-13", "coverage": "individual", "break_even_spend": 14200, "hdhp_total_at_expected": 5998, "ppo_total_at_expected": 4960, "winner": "PPO", "savings": 1038, "hsa_total_applied": 1000, "hsa_tax_shield": 200, "comparison_table": [ { "spend": 0, "hdhp_total": 3598, "ppo_total": 3360, "hdhp_saves": -238 }, { "spend": 1500, "hdhp_total": 5098, "ppo_total": 4060, "hdhp_saves": -1038 }, { "spend": 3000, "hdhp_total": 5398, "ppo_total": 4360, "hdhp_saves": -1038 }, { "spend": 5000, "hdhp_total": 5798, "ppo_total": 4760, "hdhp_saves": -1038 }, { "spend": 6000, "hdhp_total": 5998, "ppo_total": 4960, "hdhp_saves": -1038 }, { "spend": 10000, "hdhp_total": 6598, "ppo_total": 5760, "hdhp_saves": -838 }, { "spend": 15000, "hdhp_total": 6598, "ppo_total": 6760, "hdhp_saves": 162 }, { "spend": 20000, "hdhp_total": 6598, "ppo_total": 7760, "hdhp_saves": 1162 } ], "recommendation": "PPO_LIKELY", "refusals": [], "refusal_reason": null, "domain_errors": [], "scope_note": "Plan-cost model only: premium + in-network cost sharing to the OOP maximum, minus the HSA tax shield on contributions up to the coverage limit. No FSA/HRA interactions, no out-of-network or balance-billing, no prescription-tier carve-outs, no premium tax credits, no state-specific HSA deduction rules, and no investment growth on HSA balances. The HSA catch-up contribution for age 55+ is not applied (the source page does not apply it). Totals are the source page's own dollar arithmetic, unrounded; display rounds to cents." }, "golden_hash": "c50ae279fec3a2ef064708aa410f1414e03db16bbd4933246a627d1102d5abda" }, { "name": "b1a-breakeven-loop-at-grid-250", "policy_parameters": { "as_of": "2026-10-13", "coverage": "individual", "hdhp_premium_monthly": 100, "hdhp_deductible": 100, "hdhp_oop_max": 100, "hdhp_coinsurance_pct": 0, "ppo_premium_monthly": 90, "ppo_deductible": 0, "ppo_oop_max": 20000, "ppo_coinsurance_pct": 100, "employer_hsa": 40, "additional_hsa": 0, "marginal_tax_rate_pct": 50, "expected_annual_spend": 2000 }, "output_payload": { "as_of": "2026-10-13", "coverage": "individual", "break_even_spend": 250, "hdhp_total_at_expected": 1299.8, "ppo_total_at_expected": 3080, "winner": "HDHP", "savings": 1780.2, "hsa_total_applied": 40, "hsa_tax_shield": 20, "comparison_table": [ { "spend": 0, "hdhp_total": 1199.8, "ppo_total": 1080, "hdhp_saves": -119.79999999999995 }, { "spend": 1500, "hdhp_total": 1299.8, "ppo_total": 2580, "hdhp_saves": 1280.2 }, { "spend": 2000, "hdhp_total": 1299.8, "ppo_total": 3080, "hdhp_saves": 1780.2 }, { "spend": 3000, "hdhp_total": 1299.8, "ppo_total": 4080, "hdhp_saves": 2780.2 }, { "spend": 5000, "hdhp_total": 1299.8, "ppo_total": 6080, "hdhp_saves": 4780.2 }, { "spend": 10000, "hdhp_total": 1299.8, "ppo_total": 11080, "hdhp_saves": 9780.2 }, { "spend": 15000, "hdhp_total": 1299.8, "ppo_total": 16080, "hdhp_saves": 14780.2 }, { "spend": 20000, "hdhp_total": 1299.8, "ppo_total": 21080, "hdhp_saves": 19780.2 } ], "recommendation": "HDHP_BETTER", "refusals": [], "refusal_reason": null, "domain_errors": [], "scope_note": "Plan-cost model only: premium + in-network cost sharing to the OOP maximum, minus the HSA tax shield on contributions up to the coverage limit. No FSA/HRA interactions, no out-of-network or balance-billing, no prescription-tier carve-outs, no premium tax credits, no state-specific HSA deduction rules, and no investment growth on HSA balances. The HSA catch-up contribution for age 55+ is not applied (the source page does not apply it). Totals are the source page's own dollar arithmetic, unrounded; display rounds to cents." }, "golden_hash": "0552ee5d6faf95b6b8b7c70409d46828cfff477db4016ca87c8ed2f83e04dbef" }, { "name": "b1b-breakeven-one-grid-past", "policy_parameters": { "as_of": "2026-10-13", "coverage": "individual", "hdhp_premium_monthly": 110, "hdhp_deductible": 100, "hdhp_oop_max": 100, "hdhp_coinsurance_pct": 0, "ppo_premium_monthly": 90, "ppo_deductible": 0, "ppo_oop_max": 20000, "ppo_coinsurance_pct": 100, "employer_hsa": 40, "additional_hsa": 0, "marginal_tax_rate_pct": 50, "expected_annual_spend": 2000 }, "output_payload": { "as_of": "2026-10-13", "coverage": "individual", "break_even_spend": 350, "hdhp_total_at_expected": 1419.8, "ppo_total_at_expected": 3080, "winner": "HDHP", "savings": 1660.2, "hsa_total_applied": 40, "hsa_tax_shield": 20, "comparison_table": [ { "spend": 0, "hdhp_total": 1319.8, "ppo_total": 1080, "hdhp_saves": -239.79999999999995 }, { "spend": 1500, "hdhp_total": 1419.8, "ppo_total": 2580, "hdhp_saves": 1160.2 }, { "spend": 2000, "hdhp_total": 1419.8, "ppo_total": 3080, "hdhp_saves": 1660.2 }, { "spend": 3000, "hdhp_total": 1419.8, "ppo_total": 4080, "hdhp_saves": 2660.2 }, { "spend": 5000, "hdhp_total": 1419.8, "ppo_total": 6080, "hdhp_saves": 4660.2 }, { "spend": 10000, "hdhp_total": 1419.8, "ppo_total": 11080, "hdhp_saves": 9660.2 }, { "spend": 15000, "hdhp_total": 1419.8, "ppo_total": 16080, "hdhp_saves": 14660.2 }, { "spend": 20000, "hdhp_total": 1419.8, "ppo_total": 21080, "hdhp_saves": 19660.2 } ], "recommendation": "HDHP_BETTER", "refusals": [], "refusal_reason": null, "domain_errors": [], "scope_note": "Plan-cost model only: premium + in-network cost sharing to the OOP maximum, minus the HSA tax shield on contributions up to the coverage limit. No FSA/HRA interactions, no out-of-network or balance-billing, no prescription-tier carve-outs, no premium tax credits, no state-specific HSA deduction rules, and no investment growth on HSA balances. The HSA catch-up contribution for age 55+ is not applied (the source page does not apply it). Totals are the source page's own dollar arithmetic, unrounded; display rounds to cents." }, "golden_hash": "1ec40134dead7c6516ed1e5c55a9466bae3c0250dde62aa23e5aad9a6ad23a6d" }, { "name": "b2a-winner-at-exact-tie", "policy_parameters": { "as_of": "2026-10-13", "coverage": "individual", "hdhp_premium_monthly": 300, "hdhp_deductible": 500, "hdhp_oop_max": 5000, "hdhp_coinsurance_pct": 20, "ppo_premium_monthly": 300, "ppo_deductible": 500, "ppo_oop_max": 5000, "ppo_coinsurance_pct": 20, "employer_hsa": 0, "additional_hsa": 0, "marginal_tax_rate_pct": 24, "expected_annual_spend": 3000 }, "output_payload": { "as_of": "2026-10-13", "coverage": "individual", "break_even_spend": 0, "hdhp_total_at_expected": 4600, "ppo_total_at_expected": 4600, "winner": "PPO", "savings": 0, "hsa_total_applied": 0, "hsa_tax_shield": 0, "comparison_table": [ { "spend": 0, "hdhp_total": 3600, "ppo_total": 3600, "hdhp_saves": 0 }, { "spend": 1500, "hdhp_total": 4300, "ppo_total": 4300, "hdhp_saves": 0 }, { "spend": 3000, "hdhp_total": 4600, "ppo_total": 4600, "hdhp_saves": 0 }, { "spend": 5000, "hdhp_total": 5000, "ppo_total": 5000, "hdhp_saves": 0 }, { "spend": 10000, "hdhp_total": 6000, "ppo_total": 6000, "hdhp_saves": 0 }, { "spend": 15000, "hdhp_total": 7000, "ppo_total": 7000, "hdhp_saves": 0 }, { "spend": 20000, "hdhp_total": 8000, "ppo_total": 8000, "hdhp_saves": 0 } ], "recommendation": "HDHP_BETTER", "refusals": [], "refusal_reason": null, "domain_errors": [], "scope_note": "Plan-cost model only: premium + in-network cost sharing to the OOP maximum, minus the HSA tax shield on contributions up to the coverage limit. No FSA/HRA interactions, no out-of-network or balance-billing, no prescription-tier carve-outs, no premium tax credits, no state-specific HSA deduction rules, and no investment growth on HSA balances. The HSA catch-up contribution for age 55+ is not applied (the source page does not apply it). Totals are the source page's own dollar arithmetic, unrounded; display rounds to cents." }, "golden_hash": "158dcd30cc4e93dbf6507fdaca277167151da5f2ebdb626f5187176db846dbb2" }, { "name": "b2b-winner-just-past", "policy_parameters": { "as_of": "2026-10-13", "coverage": "individual", "hdhp_premium_monthly": 300, "hdhp_deductible": 500, "hdhp_oop_max": 5000, "hdhp_coinsurance_pct": 20, "ppo_premium_monthly": 300, "ppo_deductible": 500, "ppo_oop_max": 5000, "ppo_coinsurance_pct": 20, "employer_hsa": 2, "additional_hsa": 0, "marginal_tax_rate_pct": 50, "expected_annual_spend": 3000 }, "output_payload": { "as_of": "2026-10-13", "coverage": "individual", "break_even_spend": 0, "hdhp_total_at_expected": 4599.99, "ppo_total_at_expected": 4600, "winner": "HDHP", "savings": 0.010000000000218279, "hsa_total_applied": 2, "hsa_tax_shield": 1, "comparison_table": [ { "spend": 0, "hdhp_total": 3599.99, "ppo_total": 3600, "hdhp_saves": 0.010000000000218279 }, { "spend": 1500, "hdhp_total": 4299.99, "ppo_total": 4300, "hdhp_saves": 0.010000000000218279 }, { "spend": 3000, "hdhp_total": 4599.99, "ppo_total": 4600, "hdhp_saves": 0.010000000000218279 }, { "spend": 5000, "hdhp_total": 4999.99, "ppo_total": 5000, "hdhp_saves": 0.010000000000218279 }, { "spend": 10000, "hdhp_total": 5999.99, "ppo_total": 6000, "hdhp_saves": 0.010000000000218279 }, { "spend": 15000, "hdhp_total": 6999.99, "ppo_total": 7000, "hdhp_saves": 0.010000000000218279 }, { "spend": 20000, "hdhp_total": 7999.99, "ppo_total": 8000, "hdhp_saves": 0.010000000000218279 } ], "recommendation": "HDHP_BETTER", "refusals": [], "refusal_reason": null, "domain_errors": [], "scope_note": "Plan-cost model only: premium + in-network cost sharing to the OOP maximum, minus the HSA tax shield on contributions up to the coverage limit. No FSA/HRA interactions, no out-of-network or balance-billing, no prescription-tier carve-outs, no premium tax credits, no state-specific HSA deduction rules, and no investment growth on HSA balances. The HSA catch-up contribution for age 55+ is not applied (the source page does not apply it). Totals are the source page's own dollar arithmetic, unrounded; display rounds to cents." }, "golden_hash": "8a3adb139637aeaad5f62a6a100af70951378370a8a4d66fd587e509ae3b7826" }, { "name": "b3a-rec-at-equality", "policy_parameters": { "as_of": "2026-10-13", "coverage": "individual", "hdhp_premium_monthly": 300, "hdhp_deductible": 1500, "hdhp_oop_max": 3000, "hdhp_coinsurance_pct": 20, "ppo_premium_monthly": 280, "ppo_deductible": 500, "ppo_oop_max": 7000, "ppo_coinsurance_pct": 20, "employer_hsa": 500, "additional_hsa": 500, "marginal_tax_rate_pct": 20, "expected_annual_spend": 14200 }, "output_payload": { "as_of": "2026-10-13", "coverage": "individual", "break_even_spend": 14200, "hdhp_total_at_expected": 6598, "ppo_total_at_expected": 6600, "winner": "HDHP", "savings": 2, "hsa_total_applied": 1000, "hsa_tax_shield": 200, "comparison_table": [ { "spend": 0, "hdhp_total": 3598, "ppo_total": 3360, "hdhp_saves": -238 }, { "spend": 1500, "hdhp_total": 5098, "ppo_total": 4060, "hdhp_saves": -1038 }, { "spend": 3000, "hdhp_total": 5398, "ppo_total": 4360, "hdhp_saves": -1038 }, { "spend": 5000, "hdhp_total": 5798, "ppo_total": 4760, "hdhp_saves": -1038 }, { "spend": 10000, "hdhp_total": 6598, "ppo_total": 5760, "hdhp_saves": -838 }, { "spend": 14200, "hdhp_total": 6598, "ppo_total": 6600, "hdhp_saves": 2 }, { "spend": 15000, "hdhp_total": 6598, "ppo_total": 6760, "hdhp_saves": 162 }, { "spend": 20000, "hdhp_total": 6598, "ppo_total": 7760, "hdhp_saves": 1162 } ], "recommendation": "HDHP_BETTER", "refusals": [], "refusal_reason": null, "domain_errors": [], "scope_note": "Plan-cost model only: premium + in-network cost sharing to the OOP maximum, minus the HSA tax shield on contributions up to the coverage limit. No FSA/HRA interactions, no out-of-network or balance-billing, no prescription-tier carve-outs, no premium tax credits, no state-specific HSA deduction rules, and no investment growth on HSA balances. The HSA catch-up contribution for age 55+ is not applied (the source page does not apply it). Totals are the source page's own dollar arithmetic, unrounded; display rounds to cents." }, "golden_hash": "e46c53b942d56756dd8b56cb86967fe2a512f0876d5afab43d968853c3bd95e4" }, { "name": "b3b-rec-just-below", "policy_parameters": { "as_of": "2026-10-13", "coverage": "individual", "hdhp_premium_monthly": 300, "hdhp_deductible": 1500, "hdhp_oop_max": 3000, "hdhp_coinsurance_pct": 20, "ppo_premium_monthly": 280, "ppo_deductible": 500, "ppo_oop_max": 7000, "ppo_coinsurance_pct": 20, "employer_hsa": 500, "additional_hsa": 500, "marginal_tax_rate_pct": 20, "expected_annual_spend": 14150 }, "output_payload": { "as_of": "2026-10-13", "coverage": "individual", "break_even_spend": 14200, "hdhp_total_at_expected": 6598, "ppo_total_at_expected": 6590, "winner": "PPO", "savings": 8, "hsa_total_applied": 1000, "hsa_tax_shield": 200, "comparison_table": [ { "spend": 0, "hdhp_total": 3598, "ppo_total": 3360, "hdhp_saves": -238 }, { "spend": 1500, "hdhp_total": 5098, "ppo_total": 4060, "hdhp_saves": -1038 }, { "spend": 3000, "hdhp_total": 5398, "ppo_total": 4360, "hdhp_saves": -1038 }, { "spend": 5000, "hdhp_total": 5798, "ppo_total": 4760, "hdhp_saves": -1038 }, { "spend": 10000, "hdhp_total": 6598, "ppo_total": 5760, "hdhp_saves": -838 }, { "spend": 14150, "hdhp_total": 6598, "ppo_total": 6590, "hdhp_saves": -8 }, { "spend": 15000, "hdhp_total": 6598, "ppo_total": 6760, "hdhp_saves": 162 }, { "spend": 20000, "hdhp_total": 6598, "ppo_total": 7760, "hdhp_saves": 1162 } ], "recommendation": "PPO_LIKELY", "refusals": [], "refusal_reason": null, "domain_errors": [], "scope_note": "Plan-cost model only: premium + in-network cost sharing to the OOP maximum, minus the HSA tax shield on contributions up to the coverage limit. No FSA/HRA interactions, no out-of-network or balance-billing, no prescription-tier carve-outs, no premium tax credits, no state-specific HSA deduction rules, and no investment growth on HSA balances. The HSA catch-up contribution for age 55+ is not applied (the source page does not apply it). Totals are the source page's own dollar arithmetic, unrounded; display rounds to cents." }, "golden_hash": "5e0498c092c55569656033f6916dc4984b678f24323d35fd70f6d471c80435c1" }, { "name": "r1-bad-as-of", "policy_parameters": { "as_of": "2026-02-30", "coverage": "individual", "hdhp_premium_monthly": 180, "hdhp_deductible": 2800, "hdhp_oop_max": 7000, "hdhp_coinsurance_pct": 20, "ppo_premium_monthly": 380, "ppo_deductible": 500, "ppo_oop_max": 5000, "ppo_coinsurance_pct": 20, "employer_hsa": 500, "additional_hsa": 1500, "marginal_tax_rate_pct": 22, "expected_annual_spend": 2000 }, "output_payload": { "as_of": null, "coverage": null, "break_even_spend": null, "hdhp_total_at_expected": null, "ppo_total_at_expected": null, "winner": null, "savings": null, "hsa_total_applied": null, "hsa_tax_shield": null, "comparison_table": [], "recommendation": null, "refusals": [], "refusal_reason": "REFUSED_BAD_AS_OF", "domain_errors": [ { "code": "REFUSED_BAD_AS_OF", "text": "as_of must be a real calendar date as a YYYY-MM-DD string; the node never reads a clock" } ], "scope_note": "Plan-cost model only: premium + in-network cost sharing to the OOP maximum, minus the HSA tax shield on contributions up to the coverage limit. No FSA/HRA interactions, no out-of-network or balance-billing, no prescription-tier carve-outs, no premium tax credits, no state-specific HSA deduction rules, and no investment growth on HSA balances. The HSA catch-up contribution for age 55+ is not applied (the source page does not apply it). Totals are the source page's own dollar arithmetic, unrounded; display rounds to cents." }, "golden_hash": "3ec4e5e5650b1e8f7c295c148bd25c464fd55080ec6b1aaf05137de3e2299288" }, { "name": "r2-bad-coverage", "policy_parameters": { "as_of": "2026-10-13", "coverage": "family+", "hdhp_premium_monthly": 180, "hdhp_deductible": 2800, "hdhp_oop_max": 7000, "hdhp_coinsurance_pct": 20, "ppo_premium_monthly": 380, "ppo_deductible": 500, "ppo_oop_max": 5000, "ppo_coinsurance_pct": 20, "employer_hsa": 500, "additional_hsa": 1500, "marginal_tax_rate_pct": 22, "expected_annual_spend": 2000 }, "output_payload": { "as_of": null, "coverage": null, "break_even_spend": null, "hdhp_total_at_expected": null, "ppo_total_at_expected": null, "winner": null, "savings": null, "hsa_total_applied": null, "hsa_tax_shield": null, "comparison_table": [], "recommendation": null, "refusals": [], "refusal_reason": "REFUSED_BAD_COVERAGE", "domain_errors": [ { "code": "REFUSED_BAD_COVERAGE", "text": "coverage must be 'individual' or 'family'" } ], "scope_note": "Plan-cost model only: premium + in-network cost sharing to the OOP maximum, minus the HSA tax shield on contributions up to the coverage limit. No FSA/HRA interactions, no out-of-network or balance-billing, no prescription-tier carve-outs, no premium tax credits, no state-specific HSA deduction rules, and no investment growth on HSA balances. The HSA catch-up contribution for age 55+ is not applied (the source page does not apply it). Totals are the source page's own dollar arithmetic, unrounded; display rounds to cents." }, "golden_hash": "3cc469582bb8b5bd71bea957db31a4c31c818f0a6493ca7b7fbe4059bc9ac0d6" }, { "name": "r3-negative-money", "policy_parameters": { "as_of": "2026-10-13", "coverage": "individual", "hdhp_premium_monthly": 180, "hdhp_deductible": -1, "hdhp_oop_max": 7000, "hdhp_coinsurance_pct": 20, "ppo_premium_monthly": 380, "ppo_deductible": 500, "ppo_oop_max": 5000, "ppo_coinsurance_pct": 20, "employer_hsa": 500, "additional_hsa": 1500, "marginal_tax_rate_pct": 22, "expected_annual_spend": 2000 }, "output_payload": { "as_of": null, "coverage": null, "break_even_spend": null, "hdhp_total_at_expected": null, "ppo_total_at_expected": null, "winner": null, "savings": null, "hsa_total_applied": null, "hsa_tax_shield": null, "comparison_table": [], "recommendation": null, "refusals": [], "refusal_reason": "REFUSED_BAD_MONEY", "domain_errors": [ { "code": "REFUSED_BAD_MONEY", "text": "policy_parameters.hdhp_deductible must be a finite non-negative number of USD dollars" } ], "scope_note": "Plan-cost model only: premium + in-network cost sharing to the OOP maximum, minus the HSA tax shield on contributions up to the coverage limit. No FSA/HRA interactions, no out-of-network or balance-billing, no prescription-tier carve-outs, no premium tax credits, no state-specific HSA deduction rules, and no investment growth on HSA balances. The HSA catch-up contribution for age 55+ is not applied (the source page does not apply it). Totals are the source page's own dollar arithmetic, unrounded; display rounds to cents." }, "golden_hash": "032ca1896aff6be98062a9f2203a413657dded7fbb664e9ae234ebd5ecd65dec" }, { "name": "r4-money-type-not-number", "policy_parameters": { "as_of": "2026-10-13", "coverage": "individual", "hdhp_premium_monthly": 180, "hdhp_deductible": 2800, "hdhp_oop_max": 7000, "hdhp_coinsurance_pct": 20, "ppo_premium_monthly": 380, "ppo_deductible": 500, "ppo_oop_max": "2000", "ppo_coinsurance_pct": 20, "employer_hsa": 500, "additional_hsa": 1500, "marginal_tax_rate_pct": 22, "expected_annual_spend": 2000 }, "output_payload": { "as_of": null, "coverage": null, "break_even_spend": null, "hdhp_total_at_expected": null, "ppo_total_at_expected": null, "winner": null, "savings": null, "hsa_total_applied": null, "hsa_tax_shield": null, "comparison_table": [], "recommendation": null, "refusals": [], "refusal_reason": "REFUSED_BAD_MONEY", "domain_errors": [ { "code": "REFUSED_BAD_MONEY", "text": "policy_parameters.ppo_oop_max must be a finite non-negative number of USD dollars" } ], "scope_note": "Plan-cost model only: premium + in-network cost sharing to the OOP maximum, minus the HSA tax shield on contributions up to the coverage limit. No FSA/HRA interactions, no out-of-network or balance-billing, no prescription-tier carve-outs, no premium tax credits, no state-specific HSA deduction rules, and no investment growth on HSA balances. The HSA catch-up contribution for age 55+ is not applied (the source page does not apply it). Totals are the source page's own dollar arithmetic, unrounded; display rounds to cents." }, "golden_hash": "c92926b625b6ac1a2949139cf0f39c7b93074b60af75c9bed3df9b75087d421b" }, { "name": "r5-percent-out-of-range", "policy_parameters": { "as_of": "2026-10-13", "coverage": "individual", "hdhp_premium_monthly": 180, "hdhp_deductible": 2800, "hdhp_oop_max": 7000, "hdhp_coinsurance_pct": 20, "ppo_premium_monthly": 380, "ppo_deductible": 500, "ppo_oop_max": 5000, "ppo_coinsurance_pct": 20, "employer_hsa": 500, "additional_hsa": 1500, "marginal_tax_rate_pct": 140, "expected_annual_spend": 2000 }, "output_payload": { "as_of": null, "coverage": null, "break_even_spend": null, "hdhp_total_at_expected": null, "ppo_total_at_expected": null, "winner": null, "savings": null, "hsa_total_applied": null, "hsa_tax_shield": null, "comparison_table": [], "recommendation": null, "refusals": [], "refusal_reason": "REFUSED_BAD_TAX_RATE", "domain_errors": [ { "code": "REFUSED_BAD_TAX_RATE", "text": "marginal_tax_rate_pct must be a finite number in [0, 100]" } ], "scope_note": "Plan-cost model only: premium + in-network cost sharing to the OOP maximum, minus the HSA tax shield on contributions up to the coverage limit. No FSA/HRA interactions, no out-of-network or balance-billing, no prescription-tier carve-outs, no premium tax credits, no state-specific HSA deduction rules, and no investment growth on HSA balances. The HSA catch-up contribution for age 55+ is not applied (the source page does not apply it). Totals are the source page's own dollar arithmetic, unrounded; display rounds to cents." }, "golden_hash": "98aef52ca247f359ea6cf2621d8913e87c0b6bd9db3a9fab23b4a1124b0eff8f" }, { "name": "r6-missing-spend", "policy_parameters": { "as_of": "2026-10-13", "coverage": "individual", "hdhp_premium_monthly": 180, "hdhp_deductible": 2800, "hdhp_oop_max": 7000, "hdhp_coinsurance_pct": 20, "ppo_premium_monthly": 380, "ppo_deductible": 500, "ppo_oop_max": 5000, "ppo_coinsurance_pct": 20, "employer_hsa": 500, "additional_hsa": 1500, "marginal_tax_rate_pct": 22 }, "output_payload": { "as_of": null, "coverage": null, "break_even_spend": null, "hdhp_total_at_expected": null, "ppo_total_at_expected": null, "winner": null, "savings": null, "hsa_total_applied": null, "hsa_tax_shield": null, "comparison_table": [], "recommendation": null, "refusals": [], "refusal_reason": "REFUSED_BAD_SPEND", "domain_errors": [ { "code": "REFUSED_BAD_SPEND", "text": "expected_annual_spend must be a finite non-negative number of USD dollars" } ], "scope_note": "Plan-cost model only: premium + in-network cost sharing to the OOP maximum, minus the HSA tax shield on contributions up to the coverage limit. No FSA/HRA interactions, no out-of-network or balance-billing, no prescription-tier carve-outs, no premium tax credits, no state-specific HSA deduction rules, and no investment growth on HSA balances. The HSA catch-up contribution for age 55+ is not applied (the source page does not apply it). Totals are the source page's own dollar arithmetic, unrounded; display rounds to cents." }, "golden_hash": "0e589244cb6be8a23b14f5370b66f1c00b3f7bfe84c737595d3eb7ad59ab67f7" } ] }