PilotWombat

Here you go. Everything is based on family, in-network, non-smoker, no catch-up coverage.

"Tax benefits /yr" is based on 24% federal tax bracket, Utah's state tax (4.85%), and full SSI deduction.

"OOP Before Benefits" is:
Annual premiums + deductible - company HSA contributions - tax benefits
Essentially, the minimum financial impact you'll see during the entire year before the insurance company pays their first $1.

"Max Total (yr)" is
Annual premiums + OOPM - company HSA contributions - tax benefits
Essentially, the maximum you'll have to pay OOP for covered services throughout the year, not matter how expensive they get.