Health Care Calculator

The Modeler will help you understand:

Your estimated total out-of-pocket costs under each Pfizer medical plan option
The potential growth of your HSA (Health Savings Account) if you select the HSA Copay option
Your potential tax savings by utilizing the General or Limited Purpose Health Care Account to pay for your eligible health care expenses

Information to gather before you begin

Before you begin using the Modeler you should know:

The family members you expect to cover in 2025
Your Pfizer annual base pay as of Sept. 1, 2024 (new hires should use their base pay as of their hire date)
The medical and prescription drug expenses you and your family might expect to use in 2025 (optional)

This modeling tool is intended for use by U.S. colleagues actively employed by Pfizer and eligible for the U.S. Pfizer Medical Plan. If you are enrolling in the Pfizer Medical Plan mid-year, keep in mind that all estimates shown in this modeler are on an annual basis.

Additional resources

Watch a video to help you choose the right Pfizer medical plan option and get an overview of Pfizer’s reimbursement accounts.

Let's get started modeling for 2025

Want to model for 2024? Click here

In what year were you born?

Who will you cover in 2025?

Select all that apply

You

Your Spouse or Domestic Partner

Your Child or Children

What is your Pfizer annual base pay?

Select one.

Your annual base pay as of Sept. 1, 2024 and your selected 2025 medical coverage tier determine Pfizer’s 2025 contribution to your Health Savings Account if you elect the HSA Copay option. (For new hires, Pfizer’s contribution is determined by your annual base pay as of your hire date.) Your base pay can be found in Workday. If you need assistance confirming your annual base pay, contact the Pfizer Colleague Service Center.

Less than $80,000

$80,000 up to $165,000

$165,000 up to $305,000

$305,000 or greater

Estimate your healthcare needs by selecting one of the options below

Choose from option A or B below

Answer two basic questions about your healthcare needs and the type of providers you use

Step 1: Select your health care needs

Low

I'll get a physical and a few medications

Moderate

I'll have some ongoing needs but nothing serious

Chronic

One or more of my family members has a chronic condition such as diabetes or hypertension

High/Acute Care

Expect one or more inpatient hospital stays to treat an acute condition

Step 2: Select your network providers

All In-Network Providers

Some Out-of-Network Providers

Mostly Out-of-Network Providers

Enter a custom scenario for you and your family members

Lowest net cost option for you

Estimated net cost

2025Estimated Medical Plan Comparison Results

If you choose the HSA Copay option, a Health Savings Account (HSA) will be opened for you. Pfizer will make a contribution to your HSA in 2025 depending on your annual base pay—and you can also make before-tax contributions up to the annual IRS limit. Use the funds in your HSA to pay for eligible out-of-pocket expenses during the year or invest them to save for the future.

The table below shows the HSA contribution maximums set by the IRS for 2025 based on the coverage level you select.


HSA contribution limit (company + colleague)	$4,300	$8,550
Additional HSA catch-up contribution (age 55+ in 2025)	$1,000	$1,000

How much do you want to contribute to your HSA?

Amount you will contribute in addition to Pfizer’s 2025 HSA contribution (as applicable)

Cover my in-network deductible

Cover my in-network out-of-pocket costs

Take me to the IRS limit

Another amount

How much of your HSA balance do you expect to use to pay for 2025 eligible healthcare expenses?

None

Cover my in-network out-of-pocket costs

Another amount

Model the Potential Value of the HSA

Did you know the HSA can be an effective savings vehicle for retirement? See how your HSA balance might grow if you invest and continue to make annual HSA contributions at the same rate.

Do you have an existing HSA balance?

Select an expected
rate of return

Select your
retirement age

This hypothetical example represents the estimated growth of the HSA balance based upon the selected expected rate of return, compounded annually on a tax-free basis, until your selected retirement age. For modeling purposes, this Modeler assumes you continue to enroll in the HSA Copay option in future years and save the same amount in your HSA each year. The ending values do not reflect taxes, fees or inflation. If they did, amounts would be lower. Contribution amounts are subject to IRS and Plan limits. Systematic investing does not ensure a profit or guarantee against a loss in a declining market. This example is for illustrative purposes only and does not represent the performance of any security. Consider your current and anticipated investment horizon when making an investment decision, as the illustration may not reflect this. The assumed rate of return used in this example is not guaranteed. Keep in mind that investing involves risk. The value of your investment will fluctuate over time and you may gain or lose money.

Health Care Accounts

The General Purpose and Limited Purpose Health Care Accounts are reimbursement accounts that let you use before-tax dollars to pay for eligible out-of-pocket medical, prescription drug, dental and vision expenses. Using before-tax dollars to pay for those expenses can reduce your taxable income.

If you enroll in the Network Copay or Traditional Coinsurance options or decide to waive Pfizer medical coverage, you may use the General Purpose HCA to reimburse:

Qualified medical and prescription drug expenses
Qualified dental expenses
Qualified vision expenses

If you enroll in the HSA Copay option, you may use the Limited Purpose HCA to reimburse:

Qualified medical and prescription drug expenses after you have met the plan option’s annual deductible
Qualified dental expenses
Qualified vision expenses

Keep in mind, if you enroll in the HSA Copay option you may use your HSA to pay for qualified out-of-pocket medical expenses prior to meeting the plan’s annual deductible.

For 2025, you can elect to contribute up to $3,200 to a General or Limited Purpose Health Care Account, which will be deducted from your pay on a before-tax basis. You can review a complete list of eligible expenses on the IRS website at irs.gov/pub/irs-pdf/p502.pdf

Keep in mind, the money you elect to contribute to the General or Limited Purpose HCA can be used to pay for eligible expenses you and your eligible tax dependents incur between Jan. 1, 2025, and Dec. 31, 2025. These accounts are subject to the IRS “use-it-or-lose-it” rule which means any 2025 funds remaining in your General or Limited Purpose HCA after Mar. 31, 2026 (less the plan’s $640 carry over allowance) will be forfeited.

Use this calculator to estimate your potential tax savings by using the General or Limited Purpose Health Care Account to cover your qualified out-of-pocket expenses.

	HSA Copay	Network Copay	Traditional Coinsurance
Your out-of-pocket medical expenses	N/A
Your out-of-pocket post-deductible medical expenses		N/A	N/A
Your eligible dental and vision expenses
Your potential General or Limited Purpose HCA contribution*
Your estimated tax rate
Your estimated tax savings by using the General or Limited Purpose HCA	$0	$0	$0

*General and Limited Purpose HCA contributions are capped at the current IRS limit of $3,200

Lowest net cost option for you

Estimated net cost

2025Estimated Medical Plan Comparison Results

2025Estimated Medical Plan Comparison Results

Ready to enroll in your 2025 health and insurance benefits? Log into netbenefits.com.