HSA vs FSA

Decide whether an HSA or FSA wins for your household based on health spending and tax bracket.

Expected annual healthcare spend $3,000

Marginal tax bracket 28%

Years before withdrawal 15 years

HSA contribution this year $4,150

FSA election this year $3,200

Recommended account

Higher long-run after-tax value

HSA long-term value

FSA tax savings

After-tax value: HSA vs FSA

💡 Tax-account insight

The HSA vs FSA Optimizer

The HSA vs FSA Optimizer compares the two pre-tax health accounts head-to-head for your specific situation. You enter your expected healthcare spending, marginal tax bracket, the years before you would withdraw, and the contribution caps for each account. The calculator returns a recommendation, the long-term invested value of an HSA contribution, and the same-year tax savings of an FSA election. Use it during open enrollment. HSAs are nearly always the better long-term vehicle for households eligible to use one, because they triple-stack tax benefits and roll over forever, while FSAs only win for households that cannot enroll in an HDHP or expect predictable, near-term medical spending.