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Insurance & Protection · Health Savings (HSA)

HSA vs. Traditional Health Plan Calculator

Compare the total yearly cost of an HSA-qualified high-deductible plan against a traditional health plan.

  • Free to use here · embed on the Business plan
  • 8 inputs · 5 results
  • English & Spanish

Try the HSA vs. Traditional Health Plan Calculator

See which health plan costs less — results update as you type.

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Estimates only — not a loan offer or financial advice.

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What this calculator does

What the HSA vs. Traditional Health Plan calculator works out

The HSA vs. Traditional Health Plan Calculator is a free, embeddable calculator from CalcFunnel. Compare the total yearly cost of an HSA-qualified high-deductible plan against a traditional health plan.

You enter 8 inputs: HDHP annual premium, HDHP deductible, employer HSA contribution, traditional annual premium, traditional deductible, expected medical costs, your HSA contribution and marginal tax rate (%).

It returns HSA plan net cost, traditional plan net cost, annual savings, lower-cost plan and HSA tax savings.

Built for insurance agents and benefits advisors. Embedding it on your own website needs the Business plan (from $210/month, with a 14-day free trial), which unlocks the Insurance & Protection category.

Results it shows

  1. 01HSA Plan Net Cost
  2. 02Traditional Plan Net Cost
  3. 03Annual Savings
  4. 04Lower-Cost Plan
  5. 05HSA Tax Savings

The first figure — hsa plan net cost — is the headline result.

Inputs

The inputs it uses

Each field below comes straight from the calculator, with the same help text visitors see when they hover the info icon.

HSA / High-Deductible Plan

HDHP Annual Premium
Your yearly premium for the high-deductible plan.
HDHP Deductible
What you pay out of pocket before the plan covers costs.
Employer HSA Contribution
Money your employer adds to your HSA.

Traditional Plan

Traditional Annual Premium
Your yearly premium for the traditional plan.
Traditional Deductible
What you pay out of pocket before the traditional plan covers costs.

Your Usage & Tax

Expected Medical Costs
The medical expenses you expect this year.
Your HSA Contribution
Pre-tax dollars you put into the HSA, which lowers your taxes.
Marginal Tax Rate (%)
Your combined federal + state marginal income tax rate, used for the HSA tax saving.

For your website

Embed this calculator on your website

Put the HSA vs. Traditional Health Plan Calculator on your own site with your colors, copy and lead form. Every calculation can arrive in your CRM with the numbers attached.

Works on WordPress, Wix, Squarespace, Webflow, Shopify, GoHighLevel and plain HTML — paste one line into an HTML or code block. No plugin needed.

Start free How embedding works

Free plan, no card. 14-day trial on Pro & Business.

  1. Inline on any pagePaste the snippet where the calculator should appear. It fills the width of its container and resizes to fit its content.
  2. Popup buttonA button sits on your page; visitors click it and the calculator opens in a popup.
  3. Floating corner widgetPaste once — or in your site-wide footer code — to show a floating calculator bubble in the corner of every page.
  4. Open from your own link or buttonGive any existing link, button or image a class and it opens the calculator when clicked.
  5. Direct linkA full-page link to the calculator for emails, social posts, QR codes or a menu item.

FAQ

HSA vs. Traditional Health Plan calculator FAQs

Still stuck? Ask the team — we reply within one business day.

Q.01What does the HSA vs. Traditional Health Plan Calculator calculate?
Compare the total yearly cost of an HSA-qualified high-deductible plan against a traditional health plan. It returns HSA plan net cost, traditional plan net cost, annual savings, lower-cost plan and HSA tax savings.
Q.02What information do I need to use the HSA vs. Traditional Health Plan Calculator?
You enter 8 inputs: HDHP annual premium, HDHP deductible, employer HSA contribution, traditional annual premium, traditional deductible, expected medical costs, your HSA contribution and marginal tax rate (%). Every input starts with a sensible default, so you can change only what you know.
Q.03What does “HDHP Annual Premium” mean in the HSA vs. Traditional Health Plan Calculator?
Your yearly premium for the high-deductible plan.
Q.04What does “HDHP Deductible” mean in the HSA vs. Traditional Health Plan Calculator?
What you pay out of pocket before the plan covers costs.
Q.05Is the HSA vs. Traditional Health Plan Calculator free to use?
Yes — you can use it on this page for free, without an account. Embedding it on your own website needs the Business plan (from $210/month, with a 14-day free trial), which unlocks the Insurance & Protection category. Compare plans.
Q.06Can I embed the HSA vs. Traditional Health Plan Calculator on my website?
Yes. Embed it inline, as a popup button, as a floating corner widget, from your own link or button, or share a direct link. It works on WordPress, Wix, Squarespace, Webflow, Shopify, GoHighLevel and plain HTML sites with one line of code — see embedding.
Q.07Is the HSA vs. Traditional Health Plan Calculator available in Spanish?
Yes. Labels, tooltips and result names are available in English and Spanish, and visitors can switch language in the calculator.
Q.08Can the calculator capture leads?
Yes. It can end with a lead form, a Get a Quote form, a Share panel or a button to any URL. Leads are saved with the inputs and results attached and can be forwarded to your CRM by webhook.
Q.09Are the HSA vs. Traditional Health Plan results financial advice?
No. Estimates only. A simplified comparison that assumes the plan pays 100% after the deductible; real plans have coinsurance, copays and out-of-pocket maximums. The HSA tax saving uses your marginal rate (payroll HSA contributions also skip 7.65% FICA, which is not counted here).

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Your website does the math. You get the lead.

The HSA vs. Traditional Health Plan Calculator is one of 188 calculators you can brand and embed with one line of code.

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  • 14-day trial on Pro & Business
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