Finance Tools
HSA-Compatible Insurance Cost Calculator
Estimate your net annual cost for an HSA-compatible (HDHP) health insurance plan, including premiums, out-of-pocket, HSA contributions, and tax savings.
How to use this hsa-compatible insurance cost calculator
- Enter your monthly premium and expected annual medical expenses.
- Enter deductible, out-of-pocket max, and coinsurance rate (%).
- Enter your planned HSA contribution and marginal tax rate (%).
- Click Calculate to see net annual cost after estimated tax savings.
Example
If premium is $280/month, deductible is $2,000, out-of-pocket max is $6,500, coinsurance is 20%, expected medical expenses are $4,000, HSA contribution is $3,000, and marginal tax rate is 24%:
- Annual premium = $280 × 12 = $3,360
- Out-of-pocket estimate = deductible + coinsurance (capped by out-of-pocket max)
- Tax savings ≈ HSA contribution × 24%
- Net annual cost = premium + out-of-pocket − tax savings
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