Care · Insurance
HSA / FSA Calculator
Set aside care money without pretending every plan works the same.
Compare planned HSA/FSA contributions against expected eligible expenses and tax savings.
Estimate contribution limits, usable expenses, and tax savings while flagging HSA/FSA coordination issues.
Best for: Households planning eligible medical expenses, employer benefits, and tax-preferred health accounts.
Estimate inputs
HSA and FSA planning depends on eligibility, employer rules, qualified expenses, and tax treatment. Confirm before contributing or reimbursing.
Assumptions
- Uses 2026 federal HSA contribution limits and health FSA salary-reduction limit.
- Uses the tax-rate assumptions entered for planning savings.
- Does not decide HSA eligibility, limited-purpose FSA compatibility, or qualified-medical-expense treatment.
Insurance planning boundaries
Insurance tools should help families see premiums, deductibles, coverage gaps, benefit limits, and cash exposure. They should not promise eligibility, coverage, claim approval, or tax treatment.
- Health insurance cost is premium plus realistic out-of-pocket exposure, not just the monthly bill.
- HSA and FSA planning depends on eligibility, employer plan rules, and whether expenses qualify.
- Long-term care insurance value depends on benefit triggers, elimination period, daily benefit, inflation protection, exclusions, and premium risk.
Related tools and tracks
Source links used for this calculator family
- CMS 2026 Medicare Parts A and B premiums
- Medicare 2026 costs
- Medicare Part D costs and late enrollment penalty
- Medicare nursing home coverage
- IRS 2026 HSA limits
- IRS 2026 health FSA limits
- IRS Publication 926 household employer guide
- DOL domestic service fact sheet
- USCIS domestic workers Form I-9
- USCIS H-2B temporary non-agricultural workers
- DOL H-2B program
Source check and limits
Last source check: April 28, 2026
Scope checked: Federal 2026 HSA and health FSA limits only; employer plan rules, eligibility, and expense qualification vary.
- Medicare, insurance, HSA, FSA, and long-term care rules can change by year, plan, location, income, employer, and eligibility.
- Confirm plan details with Medicare, insurers, employers, licensed agents, tax professionals, or other qualified advisors before acting.
Kefiw shows the assumptions used so you can audit the math before relying on the result. This tool does not provide legal, tax, payroll, accounting, medical, insurance, benefits, immigration, compliance, or provider-specific pricing advice.