HSA & FSA Optimizer
Maximize your tax-advantaged health accounts. Calculate your savings, compare HSA vs FSA, and find the lowest prices for eligible expenses.
HSA Contribution Calculator
See exactly how much you can save in taxes with your HSA in 2026
Your Details
Your Tax Savings
Max Contribution
$4,300
Room to Contribute
$4,300
Annual Tax Savings Breakdown
Monthly Tax Savings
$106/mo
Your $4,300 HSA contribution saves you $1,275 in taxes annually. That is $106 back in your pocket every month.
HSA vs FSA: Which Is Right for You?
Understand the key differences and find your best fit
| Feature | HSA | FSA |
|---|---|---|
| 2026 Contribution Limit (Individual) | $4,300 | $3,300 |
| Tax Deductible Contributions | Yes | Yes (pre-tax) |
| Tax-Free Growth | Yes (triple tax advantage) | No |
| Tax-Free Withdrawals | Yes (qualified expenses) | Yes (qualified expenses) |
| Funds Roll Over | Yes, forever | No ($640 max rollover) |
| Portability | You own it, keeps if you leave job | Employer-owned, lost on job change |
| Investment Options | Yes, after ~$1,000 balance | No |
| Requires HDHP | Yes | No |
| Employer Contribution | Optional | Optional |
| Catch-Up (55+) | +$1,000/year | Not available |
| Retirement Use (after 65) | Any purpose, taxed as income | Medical expenses only |
The Deductible Dodge Strategy
Stack DPC + cash-pay prices + HSA to potentially save more than traditional insurance
Traditional Insurance Route
You pay premiums AND full cost until deductible is met. Many patients never reach their deductible.
The Deductible Dodge
Annual Cost Savings
$9,452
Tax Savings (22% bracket)
+$946
Total Annual Benefit
$10,398
This strategy works best for generally healthy individuals. Not a substitute for catastrophic or major medical coverage. Consult a financial advisor for your specific situation.
HSA-Eligible Expense Guide
Search for qualified medical expenses you can pay with pre-tax dollars
Surprising HSA-Eligible Items
Eligibility may vary. Items must be primarily for medical care to qualify. Check IRS Publication 502 for the full list.
Related Tools
More ways to save on healthcare costs
Frequently Asked Questions
Common questions about HSAs, FSAs, and maximizing your health savings
HSA/FSA contribution limits are based on IRS guidelines for tax year 2026. This tool provides estimates only and does not constitute tax or financial advice. Consult a qualified tax professional or financial advisor for personalized guidance.