Index card · Household planning
HSA and health-cost calculators
Three HSA calculators on 2026 limits: $4,4002026 · IRS Rev. Proc. 2025-19 self-only, $8,7502026 · IRS Rev. Proc. 2025-19 family, $1,0002026 · IRS Publication 969 catch-up at 55.
HSAs are the rare account with a tax break going in, while invested and coming out for medical costs. These calculators help clients pick a plan at open enrollment and fund the account before the deadline.
When HSA questions peak
HSA Savings
Open enrollment. “should I invest my HSA”
HSA vs. Traditional Health Plan
Open enrollment. “should I choose the HSA plan or the PPO”
HSA Contribution
Year-end, and again before the filing deadline. “how much more can I put in my HSA this year”
HSAs & health costs: questions firms ask
Which HSA calculator should we feature at open enrollment?
HSA vs. traditional plan, which compares total cost of a high-deductible plan with an HSA against a traditional plan.
Do they check eligibility?
They assume HSA-eligible coverage; eligibility rules are noted.
What's the deadline for HSA contributions?
Generally the tax filing deadline for the year; firms should confirm specifics.
Does the savings calculator include investment growth?
Yes, at a return the client enters.
Do they include employer contributions?
Yes, employer contributions count toward the limit.
Which plan includes them?
Network, because HSA tools sit in the platform's top tier.
Are they useful for advisers?
Yes, long-term HSA investing is a planning topic.
Do they include state tax treatment?
No; some states tax HSAs, which is worth noting in follow-up.
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Embed HSA calculators and receive the coverage tier and contribution plan with each request.
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