{
  "type": "ZkVmReceipt",
  "system": "risc0",
  "receiptFormat": "groth16-bn254",
  "imageId": "sha256:a1a0bc89b5b1febaeda3519f6dbade0fa5ac16beeb143c4e1b01689573567bc6",
  "seal": "GuwMvornM+JU9gsFZlg0n2XFdEOpBqrsFkhPXksIMGEPO0cPmFWuER6XVo/ozvQTUz7VfVT9b3GVCGE3Vl8QLAP2YLaKitRUCXNNkSKWzB/3ir26vPd6v/jT0lKHQytlJc4Y+XZvbHaa4s5K0y2e9Sa7Uc3+TvmpieYPPeYf3Y4uCIXTXwNeWssZkm8AHxFh5yLLBAxQLnnWHpoxaS7Niwr4w4hUPxobgjlOiPNn0UaufgWQ1S18jgNh/x3MO6KnLbsYM1LCjJZ8IdE07IrY4P20B36583krJYRHzdz3pDIYMgzfR3XEiTD+RGbh9rp0/+zPWi9tp8so7ZByC9uTCA==",
  "journal": {
    "chaingraph_version": "0.4.0",
    "kernel_digest": "sha256:e95524058ed93d9c2f4c6b7b81d6f58c8094280895ca7b0a2cd51340e51e21fd",
    "output": {
      "as_of": "2026-10-13",
      "break_even_spend": 0,
      "comparison_table": [
        {
          "hdhp_saves": 2404.4,
          "hdhp_total": 2155.6,
          "ppo_total": 4560,
          "spend": 0
        },
        {
          "hdhp_saves": 1604.4,
          "hdhp_total": 3655.6,
          "ppo_total": 5260,
          "spend": 1500
        },
        {
          "hdhp_saves": 1204.3999999999996,
          "hdhp_total": 4155.6,
          "ppo_total": 5360,
          "spend": 2000
        },
        {
          "hdhp_saves": 564.3999999999996,
          "hdhp_total": 4995.6,
          "ppo_total": 5560,
          "spend": 3000
        },
        {
          "hdhp_saves": 564.3999999999996,
          "hdhp_total": 5395.6,
          "ppo_total": 5960,
          "spend": 5000
        },
        {
          "hdhp_saves": 564.3999999999996,
          "hdhp_total": 6395.6,
          "ppo_total": 6960,
          "spend": 10000
        },
        {
          "hdhp_saves": 564.3999999999996,
          "hdhp_total": 7395.6,
          "ppo_total": 7960,
          "spend": 15000
        },
        {
          "hdhp_saves": 564.3999999999996,
          "hdhp_total": 8395.6,
          "ppo_total": 8960,
          "spend": 20000
        }
      ],
      "coverage": "individual",
      "domain_errors": [],
      "hdhp_total_at_expected": 4155.6,
      "hsa_tax_shield": 440,
      "hsa_total_applied": 2000,
      "ppo_total_at_expected": 5360,
      "recommendation": "HDHP_BETTER",
      "refusal_reason": null,
      "refusals": [],
      "savings": 1204.3999999999996,
      "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.",
      "winner": "HDHP"
    }
  }
}