HSA vs. Traditional Health Plan

This calculator is to help you compare a traditional health plan to a High Deductible Health Plan (HDHP) paired with a Health Savings Account (HSA). It is not uncommon to see significant savings by using a HDHP and HSA instead of a traditional health plan.

Annual doctor visits:

Marginal income tax rate:

Annual prescriptions:

Health Account Savings (HSA)

Annual HSA Contribution:

Annual deductible:

Co-insurance:

Monthly premium:

Annual out-of-pocket:

Other expenses:

HSA Annual Cost:

Traditional Health Plan

Monthly premium:

Annual out-of-pocket:

Prescriptions co-pay:

Other expenses:

Annual deductible:

Doctor visits co-pay:

Co-insurance:

Traditional Annual Cost:

An HDHP with an HSA could save you $0 per month.