Welcome to the Medical Plan Cost Estimator tool. The purpose of this tool is to assist you in choosing a medical plan and understanding the advantages of tax-free accounts by helping you estimate your annual medical expenses.

We respect your privacy. None of the information you use to calculate your out-of-pocket costs can be collected or tracked, including your expected annual medical care expenses. When you navigate away from the Medical Plan Cost Estimator tool, your information is automatically discarded. You can print your selections and criteria from the Medical Plan Cost Estimator tool. Please keep your printouts secure and use caution when printing to shared printers.

By using this tool, you are agreeing that you understand and accept the following:

Estimates are based on regional average medical cost data and most of the specific provisions of PayPal Inc.'s health coverage options. Because costs vary by provider and not all option details are included, actual costs will vary from the costs the Medical Plan Cost Estimator 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).

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. Use of this tool does not enroll you in a health plan option, the Health Savings Account or Flexible Spending Account.

The Medical Plan Cost Estimator is designed to give you a general idea of what your annual costs might be under each of the plan options based on:

• The services you think you and other covered family members will use during the year.
• The estimated annual cost of care in the geographic area you select, using provider rates for in-network care costs.

Important legal information

This tool is a financial comparison tool that allows you to estimate relative annual costs across your health coverage options. Estimates are based on regional average medical cost data and most of the specific provisions of PayPal Inc.'s health coverage options. Because costs vary by provider and not all option details are included, actual costs will vary from the costs the Medical Plan Cost Estimator 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).

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. Use of this tool does not enroll you in a health plan option, the Health Savings Account or Flexible Spending Account. To protect your privacy, your entries are not systematically tracked. Please remember to print any scenarios you want to look at later—your information is deleted when you close your browser.

Optimal Viewing

This tool is designed for optimal performance in Internet Explorer 9 and later, and recent versions of Mozilla Firefox and Google Chrome. If you are using an earlier version or a web browser not listed, you may experience errors or be unable to use the tool correctly. In this case, please access the tool again using one of the listed web browser versions.

For optimal viewing, set the screen resolution to 1024 x 768 or higher.

Please select the group that applies to you.

The Medical Plan Cost Estimator is designed to give you a general idea of what your costs might be under each of your plan options.

Domestic Partners and Tax-Advantaged Accounts

If you cover a domestic partner under your health plan, note that your domestic partner's health care expenses are not eligible for reimbursement by the Health Care Flexible Spending Account (FSA) or Health Savings Account (HSA).

If you have more than five children, consider combining expenses for children to estimate your total family costs.

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 salary band. Annual employee premiums will very based on your selection.

To qualify for favorable deductions, 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 an indicated individuals is a tobacco user.

Example incentive #3

If you participated in the Consumer Directed Health Plan (CDHP) with Health Savings Account (HSA) option in 2020, please select your estimated HSA carryover for 2021, if any. Keep in mind, if you don't use all of your current year's HSA funds, what remains will roll over to your HSA for the following plan year.

To check your current HSA balance, visit http://www.healthequity.com/ed/paypal

If you enroll in the Consumer Directed Health Plan (CDHP), PayPal Inc. deposits funds into your Health Savings Account (HSA) to help you pay for your health care. For 2021, PayPal Inc. will deposit $500 in your HSA if you enroll for individual coverage under the CDHP, and $1,000 if you enroll for family coverage under the CDHP.

If you'd like to see how these would affect your costs under the CDHP, please select an estimated contribution amount for 2021. Keep in mind, if you don't use all of your current year's HSA funds, what remains will roll over to your HSA for the following plan year.

PayPal Inc. provides an annual contribution towards your HSA of $500 for employee-only coverage and $1,000 for employees with covered dependents. The 2021 contribution maximum, including the company's employer contribution, is $3,600 for employee-only and $7,200 for employee-plus-dependent coverage. An additional $1,000 can be contributed if the account holder is 55 years old or older.

United Healthcare $300 Deductible

The United Healthcare $300 Deductible is available nationally to all eligible PayPal Inc. employees. With the United Healthcare $300 Deductible, you have the flexibility to see providers within or out of the United Healthcare network.

You'll pay the cost of most health care services you use until you meet your deductible. Once you've met your deductible, you and PayPal Inc. will share the cost of any additional services you use throughout the year.

If you are in Pay Grades 15-19, PayPal will fund a Health Reimbursement Account (HRA) through Health Equity equal in amount to your annual deductible ($300 for individuals and $900 for family) that can be used to pay for medical and prescription drug expenses eligible for coverage under the plan.

United Healthcare CDHP with HSA

The United Healthcare Consumer Directed Health Plan (CDHP) with Health Savings Account (HSA) is a high deductible health plan available to all eligible PayPal Inc. employees. With the CDHP, you have the flexibility to see providers within or out of the United Healthcare network.

You'll pay the cost of most health care services you use, including prescription drug costs, until you meet your deductible. Once you've met your deductible, you'll pay a portion of the cost of any additional services you use throughout the year (10% for in-network services and 30% for out-of-network services). The plan will pay the rest. You can also use HSA funds to pay for your share of these costs.

PayPal Inc. provides an annual contribution towards your HSA of $500 for employee-only coverage and $1,000 for employees with covered dependents. The 2021 contribution maximum, including the company's employer contribution, is $3,600 for employee-only and $7,200 for employee-plus-dependent coverage. An additional $1,000 can be contributed if the account holder is 55 years old or older.

Please note: If you cover a domestic partner under your health plan, your HSA funds may not be able to be used for your domestic partner's health care expenses.

Kaiser Permanente California HMO

With the HMO, you'll pay a set amount for any health care services you use. You may not have a deductible, but premiums may be higher. Only in-network providers will be covered. Out-of-network services (with the exception of emergency room visits in cases of true emergency) are not covered by the plan. The Kaiser HMO plan is only available in California.

• With single health care plan coverage, you may contribute up to $3,600 annually.
• With coverage for yourself and your dependents, you may contribute up to $7,200 annually.

Catch-Up Contributions

• You may contribute an additional $1,000 per year if you are age 55 or older and are not Medicare-eligible.
• If you choose coverage for your spouse, he or she may also contribute an additional $1,000 per year if he or she is age 55 or older and not Medicare-eligible.
• Catch-up contributions cannot be made through payroll deduction. You will make these contributions directly to your HSA.

Eligibility Requirements

You must meet the following requirements to contribute to a Health Savings Account:

• You cannot be eligible to be claimed as someone's dependent on their 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 through PayPal Inc. or another employer; however, you may enroll in a Limited Purpose Health Care FSA through PayPal Inc. or another employer.

You may contribute up to $2,700 annually.