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This information is for employees not represented by a union.
Tell us about you
Coverage level selected:
Coverage level selected:
Tell us what's most important to you about a health care plan
Choosing a health care plan can be a balancing act. Some people may prefer plans with lower premiums, while others
may prefer plans with lower anticipated total costs. Another factor that might matter is whether a plan offers an
associated savings account. What matters most to you?
In the results, the tool will not highlight any specific plan.
In the results, the tool will highlight the plan with the lowest employee annual premiums.
In the results, the tool will highlight the plan with the lowest estimated out-of-pocket costs.
In the results, the tool will highlight the plan with the lowest estimated employee total costs (i.e.
including an estimate for anticipated out-of-pocket costs.)
In the results, the tool will highlight the plan with the lowest estimated employee worst case total costs
(i.e. including an estimate for potential worst case out-of-pocket costs.)
In the results, the tool will highlight the plan with access to a Health Savings Account (HSA)
that has the lowest estimated employee total costs.
Enter your expected plan usage here
Think about the amount of health care that you and any covered family members may need
in the coming year. Use the menu(s) below to select from a variety of "quick scenarios".
For definitions of the different usage levels, please see the
and the
.
Or, you can create your own scenario under the "My own scenario" tab by customizing the frequency of
each type of service.
You can also view the .
Tip: Creating your own scenario works best on wider screens. If you're on a mobile device,
consider rotating your device to landscape mode while using the modeling interface.
See what you will spend here
Coverage level:
One or more plans below is excluding funding that would reduce the cost of care.
* Your out-of-pocket costs for deductibles, coinsurance and copays are covered in part by REI's contribution to your HSA.
This information is for employees not represented by a union.
Compare how much you'll spend (continued)
See the impact of using your HSA or FSA
A Health Savings Account (HSA) or Health Care Flexible Spending Account (FSA) can help you
save on taxes when paying for care and planning ahead for future expenses.
.
I am age 55 or older and qualify for the increased HSA contribution limit.
HSA:
My desired HSA contribution: .
HSA contribution changed. Scroll up to see updated chart.
FSA:
My desired FSA contribution: .
FSA contribution changed. Scroll up to see updated chart.
Slide the bars above to see how savings account contributions can
help you cover your out-of-pocket health care costs.
Unused account funds you could carry over from 2024, if any:
Unused account funds carried over from 2024: .
Carryover amount changed. Scroll up to see updated chart.
.
Savings account funding
Cost of care
Before claims
Claim reimbursements
After claims
Your contributions*
REI's HSA funding
Employee funding*
(to be determined next)
Contribution limit
Company match
Company funding
Carried over from 2024
Carried over from 2024
(to be determined next)
Total funding
Applied to cost of care
:
Forfeited excess rollover
Potential 2025 rollover into 2026
* amount subject to applicable plan limits.
.
Employee plan premiums by pay period:
Paid weekly
Paid monthly
Based on your inputs and what you indicated matters most to you, the plan with
the lowest employee annual premiums is thethe lowest estimated out-of-pocket costs is thethe lowest estimated employee total costs is thelowest estimated employee worst case total costs is theaccess to an HSA with the lowest estimated employee total costs is theaccess to an FSA with the lowest estimated employee total costs is the
.
No plan matched your specified criteria.
Give us your feedback
We'd love to know if this tool was helpful. Feedback is optional and anonymous.
Find out how you can save on taxes
When you finish estimating your medical costs, use the results to help you decide whether contributing to a
Health Care Flexible Spending Account (FSA) or Health Savings Account (HSA) can help you save on taxes.
Select a plan and then click "Show the tax calculator".
Tax Calculator
Plan: Plan Name
The HSA and Limited-Use Health Care FSA are only available if you enroll in the REI Saver Medical Plan.
Eligible expenses for family members are different under the HSA and FSA. See the
Medical FAQs for details about the REI Saver Medical Plan. If you cover a life partner under your medical plan, your life partner's medical care expenses
are not eligible for reimbursement by the Health Care FSA or Health Savings Account (HSA).
The Health Care FSA cannot be used with a Health Savings Account (HSA).
* The maximum contribution you may make has been reduced by REI's HSA funding.
Tax Calculator (continued)
(Exclude you and your spouse)
Use the sliders below to estimate your eligible out‑of‑pocket medical expenses for
the upcoming plan year.
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:
Copays
Deductibles
+
Coinsurance
+
Not covered
+
Funds used
–
Notes:
No deductible limit has been met
At least one deductible limit has been met
No out-of-pocket maximum has been reached
At least one out-of-pocket maximum has been reached
Only company funds applied.
Only employee funds applied.
No funds applied.
Employee's base annual premiums
Tobacco use surcharge
Spouse/life partner surcharge
Company wellness rewards
Employee's net annual premiums
Company's base annual premiums
Company wellness rewards
Company's net annual premiums
:
The Medical Cost Estimator Tool is based on:
The medical care services you and other covered family members expect to use, and
The estimated cost of care in your region (using discounted rates for in-network costs and average
costs to determine the cost of care for out-of-network providers, if applicable).
Keep in mind that this tool provides an estimate of your costs and not a precise calculation. Here's why:
Your actual cost will depend on the actual services you receive. It's impossible to predict exactly
what medical care services you will need in the coming year.
The tool doesn't feature all possible services you could receive. To keep the tool simple and
user-friendly, it includes a limited list of the most commonly-used services.
Plan limits and allowances are taken into consideration where feasible, but not for every service.
Details are provided in the tool.
The Fine Print
Using this tool does not enroll you in a medical plan option.
This Medical Cost Estimator Tool is a financial comparison tool that allows you to estimate relative costs
across your medical coverage options. Estimates are based on regional average medical cost data and most
of the specific provisions of the medical plan options. Because costs vary by provider and not all option
details are included, actual costs will vary from the costs the tool provides. Actual costs may also vary
based on the order in which they are incurred and by the specific family member using a service (if
applicable). If you use preventive care as recommended by your plan, it is covered at 100% and will not
impact your out-of-pocket costs and is therefore not included in the calculation.
In the event of any contradiction between the information contained in this tool and the plan documents,
the plan documents shall govern in all cases. To protect your privacy, your entries are not tracked by the
system. Please remember to print any scenarios you want to review later. If you click away from this page,
no information will be saved.
If you do not accept these terms, you will not be able to access the tool.
The Medical Cost Estimator Tool is based on:
The medical care services you and other covered family members expect to use, and
The estimated cost of care in your region (using discounted rates for in-network costs and average
costs to determine the cost of care for out-of-network providers, if applicable).
Keep in mind that this tool provides an estimate of your costs and not a precise calculation. Here's why:
Your actual cost will depend on the actual services you receive. It's impossible to predict exactly
what medical care services you will need in the coming year.
The tool doesn't feature all possible services you could receive. To keep the tool simple and
user-friendly, it includes a limited list of the most commonly-used services.
Plan limits and allowances are taken into consideration where feasible, but not for every service.
Details are provided in the tool.
The Fine Print
Using this tool does not enroll you in a medical plan option.
This Medical Cost Estimator Tool is a financial comparison tool that allows you to estimate relative costs
across your medical coverage options. Estimates are based on regional average medical cost data and most
of the specific provisions of the medical plan options. Because costs vary by provider and not all option
details are included, actual costs will vary from the costs the tool provides. Actual costs may also vary
based on the order in which they are incurred and by the specific family member using a service (if
applicable). If you use preventive care as recommended by your plan, it is covered at 100% and will not
impact your out-of-pocket costs and is therefore not included in the calculation.
In the event of any contradiction between the information contained in this tool and the plan documents,
the plan documents shall govern in all cases. To protect your privacy, your entries are not tracked by the
system. Please remember to print any scenarios you want to review later. If you click away from this page,
no information will be saved.
This tool does not store your personal information nor your expected health care usage in any database.
Such information is automatically discarded when you navigate away from this tool.
You can preserve your modeled scenario for later use by bookmarking the URL shown below. Your selections are
encoded in this URL, so do not share it with others if you wish to keep private any details in your scenario.
Here's a text version if you would prefer to copy and paste the URL:
This scenario URL might not be valid in a future version of this tool, so consider also printing
your results using the "Print" link found within the tool. Please keep your printouts secure and use
caution when sending to shared printers.
The following cost assumptions are used in the tool
for :
Please note that the estimates are based on average health care costs.
Because costs can vary by provider and by region, your actual costs
may differ from the averages used by this tool.
Unit costs above represent the average allowed charge for each service. The allowed
charge is the amount of submitted charges eligible for payment for all claims according
to health plan documents/contracts. Specifically, it is the amount eligible after
applying pricing guidelines, but before deducting third party, copayment, coinsurance,
or deductible amounts. The allowed charge represents the amount a plan will consider
for adjudication for a covered service. The unit costs above include network and
non-network services.
In the event of any discrepancy between the information contained in this
tool and official plan documents, the latter shall govern in all cases.
Please select the group that applies to you.
Indicate whether you would like to include coverage for yourself, or for yourself and a spouse or partner.
If you have more than five children covered by your medical plan, model medical care usage for the five children who
are likely to require the most medical care services.
Keep in mind, the Medical Cost Estimator Tool is designed to give you a general idea of what your costs might be under
each of your plan options.
Please select the region that best represents where you live. While costs vary somewhat from region to
region, the differences are generally not significant and may not affect your overall results.
Please indicate your annual salary band. Annual employee premiums will vary based on your selection.
To qualify for reduced premiums, each individual indicated must have:
completed a well-being assessment by the deadline, and
completed a health screening by the deadline.
A premium surcharge may apply if a covered individual is a tobacco user and
has not participated in a smoking-cessation program.
A premium surcharge may apply if your spouse/life partner is offered medical coverage through
his or her employer but you choose to cover him or her instead.
Select "No" if your spouse/life partner does not work or is not eligible for medical coverage through
his or her employer. The surcharge would not apply.
Select "Yes" if your spouse/life partner is eligible for medical coverage through his/her employer and
is not enrolled in his or her employer's plan. The surcharge would apply.
Not sure if you are a low, medium, or high medical care user?
View your prior claims on your medical plan's website:
Aetna/ESI, or
Kaiser Permanente
to find out how much medical care you used last year.
Low medical care usage
If you select "Low" medical care usage, the tool assumes the following in-network care for the individual:
Medium medical care usage
If you select "Medium" medical care usage, the tool assumes the following in-network care for the individual:
High medical care usage
If you select "High" medical care usage, the tool assumes the following in-network care for the individual:
Low prescription usage
If you select "Low" prescription usage, the tool assumes the following prescriptions for the individual:
Medium prescription usage
If you select "Medium" prescription usage, the tool assumes the following prescriptions for the individual:
High prescription usage
If you select "High" prescription usage, the tool assumes the following prescriptions for the individual:
Each of the plans offers an associated savings account: either a Health Savings Account (HSA), or a
Flexible Spending Account (FSA). You can fund these accounts with pre-tax earnings, and then use the
funds during the plan year for reimbursing some of your out-of-pocket costs (deductibles, copays, and
coinsurance) and other eligible medical, vision, and dental expenses. This could help you save on taxes.
Health Savings Account (HSA)
For the HSA, funds that you don't use during the plan year remain yours and are carried over. HSA funds
can be invested, and your money grows tax-free, similar to a retirement account. You can use the funds to
pay for eligible health care expenses now or in retirement. To contribute to an HSA, you must be covered
under a high-deductible health plan (HDHP).
Flexible Spending Account (FSA)
For the FSA, funds are subject to a "use it or lose it" rule. For this reason, you should estimate your
FSA contribution carefully. Any FSA balance not spent at the end of the plan year is forfeited. In some
cases, a limited amount of unused FSA funds may be carried over. Be sure to check the specific rules.
See also
"What is an HSA?" and "What is an FSA?" in the
.
You must meet the following requirements to have contributions made (by you, REI or someone else)
to your Health Savings Account:
You cannot be claimed as someone's dependent on his/her tax return.
You cannot be enrolled in another health care plan—for example, through your spouse or Medicare
(Parts A, B, C, and/or D).
You or your spouse cannot enroll in a Health Care FSA or Health Reimbursement Account through
REI or another employer; however, you may enroll in a Limited-Use Health Care FSA through REI
or another employer.
If you open an HSA during the year, REI will help you get started by contributing up to:
$500 for Employee Only coverage,
$1,000 for Employee and Family (including Spouse/Life Partner) coverage.
If your account is not open the full year, REI's contribution will be prorated on a per pay period basis.
You decide how much you want to contribute up to the following IRS limits for 2025:
$4,300 for Employee Only coverage,
$8,550 for any Family coverage,
$1,000 additional catch-up contributions for participants age 55 and older.
The maximum amount you can contribute will be reduced by the amount REI contributes to your account.
See the
Medical FAQs
for more information about the REI Saver Medical Plan.
Medical Plans
To estimate the cost of care ("out-of-pocket costs") and other amounts displayed in the plan comparison
chart, this tool applies certain plan provisions to your selected health care usage assumptions and the
contained in the tool. For your convenience, the table below describes the plan provisions modeled by this tool.
This table describes only the subset of plan provisions and services that are modeled in this tool and
is not a substitute for plan documents. For complete terms and conditions, refer to official plan documents.
In the event of any discrepancy between information contained in this tool and official plan documents, the
latter shall govern in all cases.
This information is for employees not represented by a union.
Dental Plans
Want a better understanding of your health benefits? All it takes is a minute or two! These short videos
explain key terms and concepts.
Learn more about health benefit terms and concepts in the
.
Learn more about health benefit terms and concepts in the
.
