Employer HSA Savings Calculator
Compare your current employer-paid health-plan cost with a high-deductible health plan and a SOUND HSA benefit. Adjust the assumptions to model your own program.
Your assumptions
All amounts are annual and employer-paid unless noted otherwise.
Employees who could enroll in the benefit.
Percentage of eligible employees expected to enroll.
Employer-paid premium per covered employee.
Employer-paid premium per covered employee.
Per enrolled employee.
Annual employer contribution per enrolled employee.
Optional rate applied only to employer HSA contributions.
Illustrative annual change
Your company
Estimated annual savings
$62,178
Based on 35 expected participants, or +$1,777 per participant each year.
- Lower health-plan premium
- +$105,000
- SOUND HSA account fees
- -$10,500
- Employer HSA contributions
- -$35,000
- Estimated payroll-tax savings
- +$2,678
Current-dollar outlook
Assumes these inputs stay constant. It does not model healthcare inflation, taxes, or investment returns.
Use your real plan costs
The premium comparison drives the largest portion of the estimate. Replace the starting values with your broker's numbers.
Tax treatment needs confirmation
Qualified employer HSA contributions can receive favorable wage and payroll-tax treatment. Your tax adviser should confirm treatment for your company.
Sources and assumptions
Review the IRS employer-benefits guidance and update the premium assumptions for your workforce.
This calculator is for general educational and planning purposes only. It is not tax, legal, benefits, or investment advice, and it does not guarantee eligibility, tax treatment, insurance premiums, enrollment, or savings.