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HSA Resource Center
HSA Fast Facts
What is a Health Savings Account (HSA)?
What are the advantages of owning an HSA?
Can an HSA save you money?
The CaliforniaChoice HSA & Banking Partners
HSA Calculators
Possible Savings with an HSA

Possible Savings For Individuals With An HSA

Health Savings Account Balances (Assumes a $2,000 Deductible and Deposit Each Yr.)


Account Balance After X Years Age of Head of Household Starting at 25 After Individual Medical Expenses of $1,000 Each Yr After Individual Medical Expenses of $500 Each Yr Zero Individual Medical Expenses
5 Years 30 $5,802 $8,703 $11,604
10 Years 35 $13,207 $19,810 $26,414
15 Years 40 $22,657 $33,986 $44,315
20 Years 45 $34,719 $52,079 $69,439
25 Years 50 $50,113 $75,170 $100,227
30 Years 55 $69,761 $104,641 $139,522
35 Years 60 $94,836 $142,254 $189,673
40 Years 65 $126,840 $190,260 $253,680

Assumes 5% interest per year, and 100% of a $2,000 deductible is deposited each year. One Medical Savings Account insurer has paid 5% interest on balances in their Medical Savings Accounts since January 1, 1997, and has not changed their interest rate since 1/1/97. Source: The HSA Coalition, 2004

Possible Savings For Families With An HSA

Health Savings Account Balances (Assumes a $4,000 Deductible and Deposit Each Yr.)


Account Balance After X Years Age of Head of Household Starting at 25 After Individual Medical Expenses of $1,000 Each Yr After Individual Medical Expenses of $500 Each Yr Zero Individual Medical Expenses
5 Years 35 $17,406 $20,307 $23,208
10 Years 40 $39,620 $46,224 $52,827
15 Years 45 $67,972 $79,301 $90,630
20 Years 50 $104,158 $121,517 $138,877
25 Years 55 $150,340 $175,397 $200,454
30 Years 60 $209,282 $244,163 $279,043
35 Years 65 $284,509 $331,927 $379,345

Assumes 5% interest per year, and 100% of a $4,000 deductible is deposited each year. One Medical Savings Account insurer has paid 5% interest on balances in their Medical Savings Accounts since January 1, 1997, and has not changed their interest rate since 1/1/97. Source: The HSA Coalition

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