Healthcare & Medical Costs / Healthcare Planning
HSA vs FSA Comparison Calculator
Annual Contributions
2026 limit: $4,400 self-only, $8,750 family (+$1,000 at 55+), including employer money
2026 limit: $3,400
Expenses & Tax Rate
Federal plus state income tax bracket
Up to $680 in 2026 if your plan allows it; 0 if it does not
Federal + State + FICA (typically 25-35%)
How to Use This Calculator
Compare Health Savings Account (HSA) and Flexible Spending Account (FSA) to determine which tax-advantaged health account is better for your situation.
HSA Eligibility Requirements:
- Must have a High-Deductible Health Plan (HDHP)
- 2026 HDHP minimum deductible: $1,700 (self-only), $3,400 (family); from 2026 bronze and catastrophic Marketplace plans also qualify
- Cannot be enrolled in Medicare
- Cannot be claimed as a dependent on someone else's tax return
FSA Eligibility:
- Must be offered through your employer
- Can be used with any health insurance plan
- Cannot have both FSA and HSA (except Limited Purpose FSA for dental/vision)
Note: HSA is generally better for long-term savings and flexibility, while FSA is better if you have predictable medical expenses and need immediate access to funds.
Use this hsa vs fsa comparison calculator to compute healthcare planning results from your inputs.