HSA vs Traditional Health Plan Calculator
Compare total cost of HDHP+HSA vs traditional health plan at different medical spending levels.
Better Option
HDHP + HSA
Annual Savings
$1,867.40
HSA Tax Savings
$1,067.40
Annual Cost Comparison
| Traditional Premium | $6,000.00 |
| Traditional Out-of-Pocket | $1,400.00 |
| Traditional Total Cost | $7,400.00 |
| HDHP Premium | $3,600.00 |
| HDHP Out-of-Pocket | $3,000.00 |
| HSA Tax Savings | - $1,067.40 |
| HDHP + HSA Net Cost | $5,532.60 |
| Premium Savings (HDHP) | $2,400.00 |
| Break-Even Medical Spending | $100,000.00 |
5-Year Projection (with HSA growth at 6%)
| Year 1 | Trad: $7,400.00 | HSA Balance: $816.00 |
| Year 2 | Trad: $14,800.00 | HSA Balance: $1,680.96 |
| Year 3 | Trad: $22,200.00 | HSA Balance: $2,597.82 |
| Year 4 | Trad: $29,600.00 | HSA Balance: $3,569.69 |
| Year 5 | Trad: $37,000.00 | HSA Balance: $4,599.87 |
Use the HSA vs Traditional Health Plan Calculator above to calculate your results. Enter your values and see instant results — all calculations run in your browser.
Disclaimer: This calculator is for informational purposes only and does not constitute tax, financial, or legal advice. Results are estimates based on the information you provide and current rates. Always consult a qualified tax professional or financial advisor for advice specific to your situation.
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