What each plan would cost
What drives the difference
Good to know
- To put money in an HSA you need an HSA-qualified high-deductible plan (HDHP) and no other non-HDHP coverage, such as a general-purpose health FSA (including a spouse's FSA that can pay your costs).
- On an HSA plan, the plan pays nothing before the deductible except preventive care (checkups, screenings, many vaccines, in network). This tool counts checkups as $0 on both plans.
- 2027 HSA limits: $4,500 self-only, $9,000 family, employer money included. $1,000 more at 55+. 2027 HSA-qualified plans: deductible at least $1,750 / $3,500, out-of-pocket max at most $8,700 / $17,400.
- On the HSA plan you may pay up to the full deductible yourself, possibly early in the year.
- Unspent HSA money rolls over and stays yours if you change jobs. This tool counts leftover deposit and contributions as yours, and does not count investment growth.
- Not included: out-of-network care, drugs not on the plan's list, separate drug deductibles, FSAs or HRAs, state tax differences, premium changes during the year.
- Educational only, not advice. Check your plan documents; limits change yearly.
Sources: IRS Rev. Proc. 2026-24 (2027 limits) and IRS Publication 969 (HSA rules); HealthCare.gov (preventive care, plan costs); KFF 2026 Employer Health Benefits Survey (typical copays and coinsurance, used for the example).