2027 HSA Checker
HSA 가입이 가능한 HDHP(High Deductible Health Plan)를 선택하면 얼마나 절약할 수 있는지 계산해 드립니다. 아래 9개 질문에 답하시면 예상 절약 금액을 바로 확인하실 수 있습니다.
2027년 기준 HSA 불입 한도는 본인만 가입 시 $4,500, 가족 가입 시 $9,000이며, 55세 이상은 $1,000을 추가로 불입하실 수 있습니다. 이 도구는 참고용 계산 도구입니다.
HSA/HDHP를 선택하면 절약할 수 있는 총 금액
$0
총 절약 금액 = 회사매칭 금액 + Payroll FICA절약 + Income Tax절약 + 보험료 Premium절약 − 비HDHP 보험료에 대한 FICA 절약
소득세 Bracket-
HDHP Premium Annual Cost$0
Other Health Insurance Premium Cost$0
본인 HSA 불입 금액$0
회사 매칭 금액$0
Payroll FICA Tax Savings from HSA contributions$0
FICA Savings from greater non-HDHP Premiums$0
Income Tax Savings$0
Health Premium Savings$0
총 절약 금액 (Total Savings)$0
Note: FICA (SS & Medicare) 세금절약은 SS max 구간 및 additional Medicare tax 구간에 있는지 여부에 따라 차이가 납니다. 기본적으로 7.65% 절약이지만, 경우에 따라 1.45% 절약되거나 2.35% 절약될 경우도 있습니다.
Reminder: 이 도구를 통해 HSA/HDHP를 선택하면 절약할 수 있는 금액을 계산해줍니다. 참고로 HDHP 보험과 다른 의료보험과의 Benefit 차이가 클 수 있기 때문에 이 도구에서 절약되는 금액보다 의료비용 지출이 더 많을 수도 있으니, 각 플랜의 deductible / out of pocket max를 잘 검토하시고 결정하시기 바랍니다.
결과가 복사되었습니다.
Calculation Logic
How this calculator turns your answers into the final savings figure, step by step, following the same calculation rules as the original Tally form.
Step 1 · Determine the FICA Type (Q2 Gross Wages)
- Gross Wages of $192,300 or less → FICA Type 1 (rate 7.65%)
- Gross Wages over $192,300 up to $200,000 → FICA Type 2 (rate 1.45%)
- Gross Wages over $200,000 → FICA Type 3 (rate 2.35%)
Step 2 · Allowable HSA Contribution Limit (Q3 Coverage + Q4 Age 55 or Older)
- Self-Only → $4,500 / Family → $9,000
- If age 55 or older (Yes), add $1,000 to the limit
- Room left to contribute:
Remaining = Limit − Employer Contribution (Q5) − Your Contribution (Q6)
- If Remaining drops below 0, the over-contribution error is shown.
Step 3 · Tax Savings on Your Own Contribution (Q1 Bracket × Q6)
Income Tax Savings = Your Contribution × Marginal Tax Rate
FICA Tax Savings = Your Contribution × FICA Rate (7.65% / 1.45% / 2.35% by Type)
Step 4 · Premium Savings (Q7 Frequency × Q8 and Q9 Premiums)
- Pay periods per year: Weekly 52 / Bi-weekly 26 / Semi-Monthly 24 / Monthly 12
HDHP Annual Cost = Q8 × Pay Periods Per Year, Other Plan Annual Cost = Q9 × Pay Periods Per YearHSA Premium Savings = Other Plan Annual Cost − HDHP Annual Cost (if the HDHP costs more, a warning is shown instead and the savings are $0)- Premiums are paid pre-tax through payroll, so a higher premium lowers taxable income more. Paying the higher non-HDHP premium would have cut payroll (FICA) tax by more, and that extra FICA saving is given up when you choose the HDHP:
NonHDHP Premium FICA Savings = Premium Savings × FICA Rate. It is therefore subtracted in the total below.
Step 5 · Total Savings
Total Savings = Employer Contribution (Q5) + FICA Tax Savings + Income Tax Savings
+ HSA Premium Savings − NonHDHP Premium FICA Savings
- The employer contribution (Q5) is not a tax saving, but it is money that lands in your HSA, so it is added to the total as-is.
- The NonHDHP Premium FICA Savings is subtracted, not added: because premiums are deducted pre-tax, the greater non-HDHP premiums would have lowered taxable income (and therefore FICA tax) by more. Choosing the HDHP means giving up that extra FICA saving, so it counts against the total.
- State income tax savings are not included in this calculation.