HSA vs. Traditional Plan

HSA (HDHP) vs. Traditional Plan

Compare total annual cost of an HDHP with HSA versus a traditional plan, accounting for premiums, deductible, and HSA tax savings.

HDHP annual premium ($)

Traditional annual premium ($)

HDHP deductible ($)

Traditional deductible ($)

Expected medical expenses ($)

Employer HSA contribution ($)

Marginal tax rate (%)

Your HSA contribution ($)

Net cost — HDHP + HSA

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Net cost — Traditional

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HSA tax savings

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Better option

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