See your optimal HSA contribution and calculate the exact tax dollars you save by maxing out your health savings account.
Your Plan Details
Recommended Annual Contribution
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2025 IRS Limit
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Your Tax Savings
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Effective Cost
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2025 IRS Maximumโ
Minus: Employer Contributionโ
Your Contributionโ
Federal Tax Savings (est.)โ
FICA Savings (7.65%)โ
Total Tax Savingsโ
Why an HSA is the Most Tax-Efficient Account Available
An HSA offers a triple tax advantage: contributions are tax-deductible, growth is tax-free, and withdrawals for medical expenses are tax-free. No other account type offers all three.
Who can contribute to an HSA?
You must be enrolled in a High-Deductible Health Plan (HDHP). For 2025, an HDHP is a plan with a deductible of at least $1,650 for individuals or $3,300 for families. You cannot be enrolled in Medicare or claimed as a dependent on someone else's taxes.
What can I use my HSA for?
HSA funds can be used tax-free for any qualified medical expense โ doctor visits, prescriptions, dental, vision, medical equipment, and many more. After age 65, you can withdraw HSA funds for any reason without penalty (though non-medical withdrawals are taxed as income).
Does my HSA balance roll over?
Yes. Unlike an FSA, HSA funds never expire and roll over year to year indefinitely. Many people use HSAs as a long-term investment account, paying current medical costs out of pocket and letting the HSA grow tax-free for decades.
Disclaimer: This site provides estimates for educational purposes only. Always verify costs with your insurance provider. Not medical or financial advice. Full disclaimer โ