Interactive Calculator

Which Account Is Right for You?
HSA vs FSA

Answer 5 quick questions. Get a personalized recommendation and see how much you could save in taxes this year.

Question 1 of 5 0% complete

Question 1 of 5

What is your employment status?

FSAs require employer sponsorship. HSAs are available to self-employed individuals with an HDHP.

Question 2 of 5

What type of health plan do you have?

HSAs require a High-Deductible Health Plan (HDHP). 2026 minimums: $1,650 individual / $3,300 family deductible.

Question 3 of 5

How much do you typically spend on healthcare per year?

Include prescriptions, doctor visits, dental, vision, and any other out-of-pocket costs.

Question 4 of 5

What's your primary goal with a health account?

This helps us prioritize the right benefits for you.

Question 5 of 5

Are you covering just yourself or your family?

HSA contribution limits are significantly higher for family coverage ($8,550 vs $4,300 in 2026).

Estimated Annual Tax Savings

Key Benefits for Your Situation

Get Your Personalized Health Assessment

VitalPath matches your health situation to what your HSA or FSA actually covers — and shows you exactly what to buy and what it costs.

Get Your Free Assessment →

Get Personalized Recommendations

Now that you know your HSA potential, put it to work. Take our free 2-minute assessment and we’ll show you exactly which care options, tools, and wearables you can use your HSA or FSA to pay for.

Start Free Assessment → Wearables Calculator →

Which Account Is Right for You?HSA vs FSA

Get Your Personalized Health Assessment

Get Personalized Recommendations

Which Account Is Right for You?
HSA vs FSA