What are the 2025/2026 HSA contribution limits?

The IRS HSA maximum contribution is $4,300 for self-only coverage and $8,550 for family coverage (plus an additional $1,000 catch-up for individuals age 55 and older).

Does HSA money expire like an FSA?

No. Unlike an FSA, HSA funds roll over completely year after year, earn interest or investment returns tax-free, and remain your portable asset forever.

USAUpdated for 2026Health

US HDHP + HSA vs Traditional PPO Health Plan Calculator 2026

Compare total annual out-of-pocket healthcare costs between a High-Deductible Health Plan (HDHP) with Health Savings Account (HSA) tax savings vs a Traditional PPO plan across various medical usage scenarios.

Health Insurance & CHI Tiers Insurance & Coverage Finance & Investment

Calculated Result

Annual Savings with HDHP + HSA Plan

$2,873.58

Calculator Inputs

Estimated Annual Medical / Prescription Expenses

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HDHP Monthly Payroll Premium Deduction

Quick select:

Traditional PPO Monthly Payroll Premium Deduction

Quick select:

Employer Annual HSA Contribution / Seed

Quick select:

Annual Savings with HDHP + HSA Plan

$2,873.58

HDHP + HSA Total Annual Net Cost

$3,066.42

Traditional PPO Total Annual Net Cost

$5,940

HDHP Annual Payroll Premium

$1,440

PPO Annual Payroll Premium

$3,840

HSA Triple-Tax Savings

$1,123.58

HSA triple-tax advantage includes tax-deductible contributions ($4,300 Individual / $8,550 Family for 2025/2026), tax-free growth, and tax-free withdrawals for qualified medical expenses.

This calculator is a mathematical model for fitness and nutrition estimation for general awareness only. Estimated results do not constitute medical diagnosis or a substitute for professional healthcare. Always consult a physician or certified nutritionist before starting any new diet or training regimen.

Official Statute: Internal Revenue Code (26 U.S.C. § 223 - Health Savings Accounts, HDHP Minimum Deductibles & Out-of-Pocket Maximums)Last Verified: 2026-09-04

Calculation Methodology

HDHP Total Net Cost = Annual HDHP Premiums - Employer HSA Seed - (Your HSA Contribution * Tax Rate) + Min(Expected Medical, HDHP OOP Max). PPO Total Cost = Annual PPO Premiums + Min(Expected Medical, PPO OOP Max).

Frequently Asked Questions

HDHP plans have lower monthly payroll premiums and higher deductibles paired with an HSA tax shelter, whereas PPO plans have higher monthly payroll deductions with lower copays and deductibles.

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USA

US HDHP + HSA vs Traditional PPO Health Plan Calculator 2026

Calculator Inputs

Calculation Methodology

Frequently Asked Questions

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