Health Savings Account (HSA) vs. Traditional Health Plan Calculator
Compare an HDHP with an HSA to a traditional health plan.
What This Number Means
This cost comparison is only one part of the decision. Before you choose a plan, consider:
Which plan costs less once premiums and out-of-pocket costs combine
How the HSA's triple tax advantage changes the comparison
Whether your expected medical usage favors one plan type
How much you could build in tax-advantaged HSA savings
Whether the HDHP's lower premium offsets its higher deductible
How to Use This Calculator
1
Enter each plan's premium: Input the monthly premium for the HDHP and the traditional plan.
2
Add expected medical expenses: Enter your anticipated out-of-pocket healthcare costs.
3
Include your tax rate: Enter your marginal tax rate to value the HSA's tax benefits.
4
Compare total costs: See the total annual cost of each plan side by side.
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