Designed for ages 18-64
Age limit is 18 to 64
Plan Metal Level
A gold plan pays 80% of total costs of care on average, leaving 20% to the patient. A Silver is 70% and Platinum is 90%.
Estimated out-of-pocket cost ranges for the age-gender and plan metal value factors above. Low represents the lowest 20% and high the highest 80 or 95% depending on how the tool is configured and reflected the annualized amounts from a study on 3 years of claims data.
HSA Modeling + Investments
OOP Cost Scenario
Multiple of Modeled OOP
Annual HSA contributions set as the multiple of estimated annual OOP expenses. The default is 2x.
Long-Term Growth in HSA Contributions
The annual growth rate of HSA contributions from current age to age 65.
Assumed Long-term HSA Return
Assumed investment return on HSA assets.
Annual HSA Contributions
Assumes half of HSA contributions are invested.
HSA Investment Contributions
Cumulative HSA deposits over time.
Years to Retirement
Modeled account value reflecting deposits over time as well as investment gains.
HSA Growth Over Time
at age 65