How to use this calculator
- Choose the plan year and who needs coverage. If only your spouse’s job offers health insurance, enter your spouse as “you”: the plans then belong to the first employer.
- Pick each person’s care for the year: what their plans would be billed, before paying anything. Low, Typical and High are what a quarter, half and nine in ten of people that age with job-based coverage spend less than: for 2027, $150, $1,100 and $16,500 at 40, and $200, $700 and $6,500 for a child. Children share one level. If you know better, choose Own and enter an amount: last year’s explanations of benefits show it as the allowed amount.
- For each plan, enter the premiums from the benefits guide or the enrollment site, in the period it prints them (usually per paycheck); only the coverage tiers your household can use are asked. Then enter the in-network deductible, coinsurance and out-of-pocket maximum from the plan’s Summary of Benefits and Coverage, with the per-person and family amounts for family coverage, and the employer’s HSA money for an HSA-eligible plan. Copays for a PPO or HMO are under “More about this plan”. Use “Add a plan” for a third, or “Copy into a new plan” to start from one you have entered.
- For a couple, answer whether your spouse’s job offers health insurance. If it does, open their employer’s plans and replace the example figures with theirs; until you do, the answer says their plans are still examples. If either employer charges extra to cover a spouse who can get their own job’s coverage, or doesn’t cover them at all, say so under “More about this plan”.
- Enter your filing status and each paycheck’s pay before any deductions. Under More options you can add Medicare, visits and prescriptions, an amount for the HSA, a health FSA, other income, a state tax rate and the settings for the HSA by 65.
- Read the ranking three ways with “Rank by”: this year at the care you expect, a bad year in which everyone reaches their plans’ out-of-pocket limits, and by 65, counting what the HSA money could grow to. “Why it wins” shows the line that decides it against the runner-up.
How it's calculated
Every way to cover your household is listed: each person on exactly one plan, everyone on one plan or each spouse on their own employer’s plan, with the children together on either. With three plans at each job that is up to 15 ways for a couple and 24 with children. A plan that doesn’t cover a spouse who can get their own job’s coverage drops the ways that would need it.
Each way’s cost for the year is its premiums, plus what you pay for care, plus any health FSA money you would lose, less the employers’ HSA money, less the tax the pre-tax money saves. Your own HSA contributions are not a cost: they stay yours, so only the tax they save counts, and what is left at the end of the year is shown beside the cost.
What you pay for care follows each plan’s rules for the year. Copays apply from the first visit and don’t count toward the deductible; everything else does, and past it you pay the coinsurance. Copays, the deductible and coinsurance all count toward the out-of-pocket maximum. Who meets a family deductible first changes what a family pays, so each plan’s cost for a family is the average over every order in which the claims could come, one person at a time, each paying the deductible as their claims arrive and nobody paying more than their own maximum.
The HSA limit follows the rules for married couples. When both of you can contribute and either of you has family coverage on an HSA-eligible plan, you share one family limit ($9,000 in 2027), plus $1,000 for each of you who is 55 or older; with two self-only plans each of you has $4,500. Each employer’s HSA money goes only to its own employee, and counts toward the limit. The calculator tries every whole-dollar way to split a shared limit between you and keeps the one that saves the most tax. A general-purpose health FSA usually covers the whole family, so wherever someone could have an HSA, the FSAs are left out.
Each premium comes out of the paycheck of the person whose employer runs the plan. The tax saved is found by figuring your taxes with and without each way’s pre-tax money: federal income tax with the standard deduction, the deductions at 65, the child tax credit and the earned income credit; Social Security and Medicare tax for each earner up to their own wage base, with the Additional Medicare Tax; and a flat state rate if you enter one. For 2027, taxes use 2026’s federal figures and wage base, because 2027’s are not published yet.
A bad year is each plan’s in-network out-of-pocket maximum for everyone on it, added across the plans a way uses. The chart of every level of care raises everyone’s care in the same proportion and marks where the lowest-cost way changes.
An example
Say you are single, 40, earn $75,000 and choose Typical care, $1,100 for 2027. Plan 1 is HSA-eligible: $1,320 a year in premiums, a $2,600 deductible and a $4,500 out-of-pocket maximum, with $700 from your employer. All of your care falls under the deductible, so you pay $1,100. You put in the most allowed, $3,800, and the plan’s pre-tax money saves $1,525 in tax. Its cost is $1,320 + $1,100 − $700 − $1,525 = $195, and $3,400 is left in the HSA.
Plan 2 is a PPO: $1,440 a year, a $1,350 deductible, a $27 copay for a visit and $12 for a prescription. You pay $252 in copays and $200 toward the deductible, $452 in all, and its pre-tax premium saves $429. Its cost is $1,463. If each reaches its out-of-pocket limit, they cost $3,595 and $5,011.
For a couple with two children whose jobs offer the same example plans, you on your Plan 1 with the children, your spouse on their Plan 1 costs $3,041 this year, the least of any way, and everyone on your Plan 1 costs $3,984. In a bad year the order turns: everyone on your Plan 1 costs $9,384, and you on your Plan 1 with the children, your spouse on their Plan 1 $12,941, because two plans’ limits apply instead of one.
The HSA by 65
Money left in an HSA can be invested, and it grows tax-free as long as it is eventually spent on medical care. This shows what each year’s leftover HSA money could grow to by 65 if you invest it, next to the same money invested in an ordinary taxable account, at the return you choose. It assumes you choose the same plan each year and can pay this year’s care without spending the HSA.
This assumes the money is invested. In 2023, 15 percent of HSA holders in EBRI’s database had invested any of it.
For the example HSA-eligible plan at 40, $4,500 goes into the HSA this year: $3,800 from you and $700 from your employer. This year’s care is paid from your own pocket, and the receipts are kept so the HSA can repay it later. Invested at 7% with 2.5% inflation, that money and the same amount each later year, rising with inflation, could be $206,243 by 65 in today’s dollars if it is spent on medical care, or $165,328 if it is taken out after 65 for anything else and taxed. The same money as pay, less this year’s tax on it, invested in an ordinary account could be $130,023 after tax. Ranking “By 65” counts each way’s yearly cost until 65 as money that could otherwise have been invested, less what the HSA’s tax-free growth adds, as if every HSA dollar is eventually spent on medical care.
Assumptions and limits
- In-network care only. Out-of-network deductibles and limits are separate and often much higher; care a plan does not cover counts toward nothing.
- Care is billed at the plans’ allowed amounts, the same under every plan. Two plans’ networks negotiate different prices, and an HMO or EPO covers only its own network except in emergencies; the calculator does not price network differences.
- The care levels are what people your age with job-based coverage were billed in 2023 (the 25th, 50th and 90th percentiles of medical and prescription spending, from the federal Medical Expenditure Panel Survey), raised 5% a year to the plan year, the recent growth of job-based premiums rather than a measured growth in care; spending by private insurers grew faster than that in 2024, so the levels may run low. They include preventive care, which most plans cover in full, so they slightly overstate the care that goes through a deductible. Children share one level, using the figures for children under 18; for an older child, enter an amount. Spending at 65 and over uses the 55–64 figures. Women in their 20s, 30s and early 40s spend more than men, largely because of pregnancy and delivery.
- A Typical year is the middle year, not the average one: the average runs about four to six times the middle figure because a few people have very large bills. The bad year shows the other end.
- Doctor visits and prescriptions are the household’s, shared among people in proportion to their care; if they add up to more than the care entered, they are read down to fit.
- The year is figured as a whole. Who meets a family deductible first changes what a family pays, so each plan’s cost is the average over every order in which your family’s claims could come, one person at a time, each paying the deductible as their claims arrive. It always lies between the cheapest and the costliest of those orders. Claims that interleave through the year can cost more than any one-person-at-a-time order when one person reaches their own maximum.
- Copays apply from the first visit and do not count toward the deductible, as on most PPOs and HMOs. A plan whose copays start after the deductible, a separate prescription deductible or tiered drug copays are entered as no copays, so the care goes through the deductible and coinsurance. Care an HSA-eligible plan may pay before its deductible (preventive care, telehealth, some insulin) goes through the deductible here.
- Each person is on exactly one plan. Being covered by both spouses’ plans can lower out-of-pocket costs (the second plan pays part of what the first leaves) and ends HSA contributions when the second plan is not HSA-eligible; it is not figured. Children stay together on one parent’s plan, nobody goes uncovered, and someone on Medicare is not figured as covered by Medicare alone.
- A spouse means someone you are married to. Covering an unmarried partner is usually taxable to you and the married-couple HSA rules do not apply, so partners are not figured.
- Each premium comes out of the paycheck of the person whose employer runs the plan, before tax when you say so, and saves that person’s Social Security tax up to their own wage base.
- Your HSA contributions go through your own employer’s payroll only when you are on your own employer’s HSA-eligible plan; a spouse covered on the other’s plan contributes on their own and deducts it, which saves income tax but not Social Security or Medicare tax. Each employer puts HSA money only in its own employee’s HSA, and only when that employee is on its HSA-eligible plan. Some employers do otherwise; your plan’s materials say.
- With two of you on HSA-eligible plans, the calculator tries every whole-dollar way to split the HSA limit between you, and the equal split, and keeps the one that saves the most tax. If payroll money would be more than a paycheck, the rest is contributed on your own instead.
- A general-purpose health FSA from either of your jobs usually covers everyone in the family, so it would stop an HSA-eligible spouse from contributing. In any way of covering the household where someone could have an HSA, both FSAs are left out. A limited-purpose FSA (dental and vision) is not figured.
- Nobody is anyone’s dependent except the children; nobody has other health coverage that rules out an HSA, such as VA medical care in the last three months, TRICARE or a health reimbursement arrangement; and with no spouse in the household, a spouse outside it has no family HSA-eligible coverage and no FSA that covers you.
- A plan marked HSA-eligible that does not meet the year’s limits for a coverage tier ($1,750 minimum deductible and $8,700 maximum out-of-pocket for self-only coverage in 2027; $3,500 and $17,400 for family coverage) is figured with no HSA at that tier.
- Taxes: federal income tax with the standard deduction, the deductions for people 65 or older, the child tax credit (children under 17) and the earned income credit (children under 19, or students under 24, when you say so, one answer for all the older children; a child who is permanently and totally disabled qualifies at any age, which is not asked; without children, someone 25 to 64); Social Security and Medicare tax, including the Additional Medicare Tax; and one flat state rate. Itemized deductions, other credits, local taxes and New Jersey’s deduction for medical costs above 2% of income are not figured; nobody is treated as blind. When the plan year’s tax figures are not published yet, the latest year’s are used, and the page says so.
- The ACA’s limit on what one person can pay ($12,000 in 2027) is shown as a notice, not applied; your plan’s summary governs, and grandfathered plans are exempt.
- The bad year is each plan’s in-network out-of-pocket maximum, for every person on it. Two plans’ self-only limits can add up to more than one family limit, so the bad year leans toward one plan for everyone.
- The HSA by 65: the same household, plans, contributions and care every year, rising with inflation (so the same in today’s dollars); contributions stop the year the older of you turns 65; the money is invested at the return you choose from the day it goes in, with no fees; the ordinary account pays dividends each year taxed at the rate you choose plus the state rate, and is sold at 65 with the gain taxed; an HSA withdrawal after 65 for anything but care is taxed at your federal bracket this year (or a rate you enter), after receipts you kept; future HSA limits are not tested, and the $1,000 catch-up is not added in later years.
- The HSA by 65 ends at 65. An HSA left to anyone but a spouse is taxed to the heir as income, while an ordinary account’s gains are not, so for money never spent the comparison can reverse.
- The Marketplace notice uses your adjusted gross income for household income; the Marketplace adds a few kinds of untaxed income.
- Mid-year changes, prorated limits, a plan year that is not the calendar year, and Medicare starting during the year are not figured.
- “By 65” ranks the ways to cover your household as if every HSA dollar is eventually spent on medical care.
- Employer HSA money above the couple’s HSA limit is left out; it would have to be withdrawn, or it is taxable pay.
- It does not figure unmarried partners and other non-dependents, double coverage, children split between parents, declining coverage for an opt-out payment, out-of-network care, network and price differences, dental and vision plans, limited-purpose and post-deductible FSAs, an HRA, an FSA grace period, a dependent care FSA, Marketplace plans and the premium tax credit, Medicare plans, a child’s own HSA, working past 65 on an HSA-eligible plan in the view by 65, or what heirs receive.
- Plan years offered: 2025, 2026, 2027. For 2027, the HSA, HSA-eligible-plan and out-of-pocket limits are 2027’s; taxes use 2026’s figures until 2027’s are published, and the health FSA limit is 2026’s, $3,400 with up to $680 carried over when the plan allows it.
Input field details
What to enter in each box, where to find the number, and how this calculator treats it. When two calculators give different answers from the same numbers, it's usually because they handle one of these differently.
Who needs coverage
Just you; you and your children; you and your spouse; or your spouse, your children and you.
How this tool treats itA spouse is someone you are married to for federal tax purposes. Registered domestic partners and other unmarried partners are not figured: covering one is usually taxable pay, and the married-couple HSA rules do not apply to them. Every child is under 26 and your dependent.
Children under 17, and 17 to 25
How many covered children will be under 17 at the end of the year, and how many 17 to 25. Tick the box if all the older ones are under 19, or full-time students under 24.
How this tool treats itThe child tax credit counts children under 17; the earned income credit also counts the older ones when the box is ticked. A child permanently and totally disabled qualifies for the earned income credit at any age, which the box does not ask. Up to six children in all.
Allowed range0 to 6 each, 6 in all
Age at the end of the year
Your age, and your spouse’s, on December 31 of the plan year. If a birthday is January 1, add one.
How this tool treats itAge sets the care presets, the $1,000 HSA catch-up at 55, the tax deductions at 65, and the years until 65 in the HSA view. The IRS treats a person as reaching an age the day before the birthday, which is why a January 1 birthday counts a year early.
Allowed range18 to 85
Care this year
For each person, Low, Typical or High, or Own to enter an amount: what the plans will be billed for their care in the year, at in-network allowed amounts, before the plan pays. The children share one level.
Where to find itFor your own amount, the "allowed amount" column of last year’s explanations of benefits, or the plan’s online claims summary.
How this tool treats itLow, Typical and High are what people your age with job-based coverage were billed in 2023, at the 25th, 50th and 90th percentiles of medical and prescription spending, raised 5% a year to the plan year. Typical is the middle year, not the average: a few very large bills make the average about four to six times the middle figure, and the bad year shows that end. The levels for children use the figures for children under 18; for an older child, enter an amount. At 65 and over the levels use the 55-to-64 figures.
Allowed range$0 to $2,000,000 a person
Your spouse’s job offers health insurance
Yes if your spouse can enroll in a health plan through their own job.
How this tool treats itYes adds their employer’s plans and every way to split coverage: everyone on one plan, or each of you on your own job’s plan with the children on either. If only your spouse’s job offers coverage, enter your spouse as “you”.
Enrolled in Medicare
Tick for anyone already enrolled in Medicare (Part A or B).
How this tool treats itEnrollment, not eligibility, ends HSA contributions, so that person holds no HSA money, their own or an employer’s. Being covered by Medicare alone, or Medicare paying beside an employer plan, is not figured.
Doctor visits (everyone)
How many office visits the household expects (primary care, specialists, urgent care), and what each costs before the plan pays: the allowed amount, not the copay.
Where to find itYour explanations of benefits show the allowed amount for each visit.
How this tool treats itVisits are part of the care above, shared among people in proportion to their care. If visits and prescriptions add up to more than the care, they are read down to fit.
Allowed range0 to 100 visits; $0 to $2,000 a visit
Prescriptions filled (everyone)
How many fills and refills the household expects, and what each costs before the plan pays.
Where to find itYour pharmacy receipts or the plan’s prescription history show the full price.
How this tool treats itPart of the care above. Under a plan with a prescription copay, each fill costs the copay.
Allowed range0 to 500 fills; $0 to $5,000 a fill
Plans offered
Add a tab for each plan your employer offers, up to three; the same for your spouse’s employer.
How this tool treats itEach new plan starts with example figures. “Copy into a new plan” fills it from the plan you have open.
Premiums are per
How your benefits guide prints the premiums: per week, every two weeks, twice a month, per month or per year.
How this tool treats itOnly changes how the premium fields read. Each premium is kept as a yearly amount to the cent: the per-paycheck figure times 52, 26, 24, 12 or 1.
This plan works with an HSA
Yes if the plan is a high-deductible health plan that qualifies for a health savings account; no for a PPO, HMO or EPO that does not.
Where to find itThe plan summary says "HSA-eligible" or "qualified high-deductible health plan".
How this tool treats itAn HSA-eligible plan must have a deductible at least as high, and an out-of-pocket maximum no higher, than the IRS’s limits for the year, tested separately for one person and for family coverage. A plan marked HSA-eligible that misses them for a coverage is figured with no HSA there.
Premiums by coverage
The employee’s share of the premium for each coverage the household can use: just the employee, the employee and spouse, the employee and children, and family. Not the employer’s share.
Where to find itThe benefits guide or enrollment site, usually per paycheck; on a pay stub, the medical deduction for one paycheck.
How this tool treats itOnly the coverages your household can use are asked. Each premium comes out of the pay of the person whose employer runs the plan, before tax unless you say otherwise. The two-person examples are the family premium × 4,707 / 7,216, the federal survey’s ratio of what employees pay for employee-plus-one coverage to family coverage; replace them with your plan’s figures.
Allowed range$0 to $100,000 a year for one person; $0 to $200,000 for the others
Deductible
The in-network deductible: for one person, and for family coverage the amount for each person (0 if the plan has none) and for the whole family.
Where to find itThe first rows of the plan’s Summary of Benefits and Coverage.
How this tool treats itWith a deductible for each person (an "embedded" deductible), a person who meets theirs starts paying coinsurance even if the family’s is not met. Who meets a family deductible first changes what a family pays, so each plan’s cost is the average over every order in which the family’s claims could come, one person at a time. A deductible above its out-of-pocket maximum is read as the maximum.
Allowed range$0 to $100,000 (family, $200,000)
Coinsurance after the deductible
Your share of each bill once the deductible is met, such as 20%. Enter 0% if the plan pays in full after the deductible.
Where to find itThe Summary of Benefits and Coverage, for in-network hospital and specialist care.
How this tool treats itOne rate for every coverage on the plan, applied to all care other than visits and prescriptions that have a copay.
Allowed range0% to 100%
Out-of-pocket maximum
The most paid in a year for in-network care, not counting premiums: for one person, and for family coverage the limit for each person (0 if the plan has none) and for the family.
Where to find itThe Summary of Benefits and Coverage, under "What is the out-of-pocket limit for this plan?".
How this tool treats itThe deductible, coinsurance and copays all count toward it. Most plans cannot charge one person more than the federal limit for the year; a higher figure is used as entered, with a notice.
Allowed range$0 to $100,000 (family, $200,000)
Copays
The flat amount for an in-network primary care visit, and for a generic prescription. Enter 0 if they go through the deductible and coinsurance instead.
Where to find itThe Summary of Benefits and Coverage, under "If you visit a health care provider’s office" and "If you need drugs".
How this tool treats itA copay applies from the first visit or fill and counts toward the out-of-pocket maximum but not the deductible. If the plan charges the full cost until the deductible is met, enter 0. A copay above the cost of the visit or prescription is read as that cost. Copays are not read on a plan figured with an HSA.
Allowed range$0 to $2,000 a visit; $0 to $5,000 a prescription
Employer HSA money
What the employer puts in its employee’s HSA for the year, for employee-only coverage and for any family coverage, including any match the employee expects to earn.
Where to find itThe benefits guide; on a W-2, the employer’s part of box 12 code W.
How this tool treats itIt goes only to the employer’s own employee, and only when that employee is on this plan and can have an HSA. It counts toward the year’s HSA limit, so it lowers how much can go in from pay. Money above a couple’s shared limit is left out: it would have to be withdrawn, or it is taxable pay.
Allowed range$0 to $20,000 one person; $0 to $40,000 family
Spousal surcharge and working-spouse rule
An extra charge the plan adds for covering a spouse who can get coverage at their own job, per year; or tick if the plan does not cover such a spouse at all.
Where to find itThe benefits guide, often under "spousal surcharge" or "working spouse".
How this tool treats itThe charge is added to any coverage of this plan that includes the employee’s spouse while the spouse’s own job offers coverage, before tax with the premium. A plan that does not cover such a spouse drops "everyone on this plan" from the list. With no spouse, or a spouse with no job offer, neither applies.
Allowed range$0 to $20,000 a year
Filing status
The status you’ll file under for the year. With a spouse in the household, joint or separate.
Where to find itThe checkbox at the top of Form 1040; last year’s return as a guide.
How this tool treats itFiling separately is figured as two returns, with the children and other income on yours. It sets the brackets, the standard deduction and the Additional Medicare Tax threshold.
Pay
Your yearly pay before taxes, health premiums, HSA or FSA money, or retirement contributions come out; your spouse’s too.
Where to find itLast year’s W-2 box 5 (Medicare wages) is the closest line, plus any pre-tax health premiums and HSA or FSA money taken from pay, which box 5 leaves out.
How this tool treats itEach earner’s premiums and payroll HSA money come out of their own pay, before income tax and before Social Security and Medicare tax, and save Social Security tax only up to that earner’s own wage base. The Additional Medicare Tax is figured on a joint return’s combined pay.
Allowed range$0 to $5,000,000
Your HSA contributions
The most allowed, or the amount the two of you plan to put in from your own money for the year.
How this tool treats itWith two of you on HSA-eligible plans, the calculator looks for the split of the limit that saves the most tax. Your own contributions are not a cost, because they stay in your accounts for future care; the tax they save is.
Allowed range$0 to $30,000
Children under 17 you claim but don’t cover here
Children under 17 you claim on your return whom these plans will not cover.
How this tool treats itRead only when no children are in the household above. Each counts for the child tax credit and the earned income credit.
Allowed range0 to 10
Pre-tax retirement contributions
What each of you will put into a 401(k), 403(b), 457 or the TSP before tax this year. Leave Roth contributions out.
How this tool treats itThey lower income tax but not Social Security and Medicare tax, and are the same under every plan.
Allowed range$0 to $100,000
Other taxable income
Interest, a pension or other taxable income that is not pay, the year’s total.
How this tool treats itTaxed as ordinary income, on your return when filing separately, and held the same under every plan.
Allowed range$0 to $5,000,000
State income tax rate
Your state’s income tax rate on your top dollars of income. Leave it at 0 to leave state tax out.
How this tool treats itOne flat rate on each return’s income, with premiums, FSAs and HSA money taken out first.
Allowed range0% to 15%
My state
How your state taxes health deductions taken from pay. Most states with an income tax follow the federal rules; California taxes HSA money, and New Jersey taxes premiums, FSA and HSA money taken from pay.
How this tool treats itTaxing HSA money adds back your own contributions and adds your employer’s. Taxing all pre-tax health deductions also adds back the premiums and FSAs.
HSA contributions come out of pay where possible
On if contributions go through payroll; off if you deposit the money yourselves.
How this tool treats itThrough payroll is possible only for someone on their own employer’s HSA-eligible plan; it skips income tax and Social Security and Medicare tax. Deposited yourself, the money is deducted on your return, which lowers income tax only. If payroll money would be more than a paycheck, the rest is contributed on your own.
Health FSAs
What each of you would set aside from pay in a health flexible spending account. 0 if you won’t use one. Tick the box if the FSA carries unused money into next year.
Where to find itThe benefits guide says whether the FSA has a carryover or a grace period.
How this tool treats itA general-purpose FSA usually covers the whole family, so it would stop an HSA-eligible spouse from contributing: wherever someone could have an HSA, both FSAs are left out. Elsewhere the FSAs pay your share of the year’s care first, and money they cannot use is lost, except what carries over. A grace period and a limited-purpose FSA are not figured.
Allowed range$0 to $5,000 each
This year’s care is paid
Out of pocket, keeping the receipts to reimburse yourself later; or from the HSA as it comes.
How this tool treats itThere is no deadline for reimbursing a qualified expense from an HSA, as long as the receipts are kept, so paying from pocket leaves all the HSA money invested.
Investment return and the ordinary account
The yearly return on invested money, inflation, and for the ordinary taxable account its yearly dividends, the tax rate on them and the tax rate on gains when sold at 65.
How this tool treats itThe HSA and the ordinary account earn the same return. The ordinary account’s dividends are taxed each year at your rate plus the state rate, and the rest of its growth when sold at 65.
Allowed rangereturn 0% to 20%; inflation 0% to 10%
Tax rate on HSA money taken out after 65
Your federal bracket this year, or a rate you enter.
How this tool treats itAfter 65, HSA money taken out for anything but medical care is taxed as income, without the 20% additional tax. "Your federal bracket" is the top bracket this year’s return reaches with no health deductions (your return when filing separately), 10% at no taxable income.
Allowed range0% to 50%
Show in today’s dollars
On to show the HSA by 65 in today’s dollars; off for the dollars of the year 65 arrives.
Rank by
This year’s cost, the cost in a bad year when every plan reaches its limit, or the cost counting what the HSA money could grow to by 65.
How this tool treats itBy 65 counts every HSA dollar as eventually spent on medical care.
Questions
Is it cheaper to be on one family plan or each on our own job’s plan?
Can we both have HSAs, and how much can we put in together?
Does my spouse’s FSA stop me from using an HSA?
Why does it matter whose paycheck the premium comes from?
Is a high-deductible plan with an HSA cheaper than a PPO?
How do family deductibles work, embedded and not?
What could the HSA be worth by 65?
Should we look at the Marketplace instead?
Version history
- October 15, 2026 (version 2.0.0): Compares every way to cover you, a spouse and children with the health plans your employer and your spouse's offer: the year's cost after tax, a bad year, and the HSA's value by 65, for 2025 to 2027.