Estimate how much cash you may need on hand to handle health insurance deductibles and out-of-pocket costs.
This represents a realistic short-term cash need for medical expenses.
Your recommended fund is calculated based on your plan's deductible and the likelihood of moderate medical events occurring within a single billing cycle. It accounts for your current HSA balance as a primary liquidity source.
Most medical providers expect payment for the deductible portion either at the time of service or shortly after billing. Having this cash liquid prevents high-interest credit card debt during recovery.
The deductible is your maximum exposure before insurance begins to share costs. A "safe" emergency fund should at minimum cover this amount to ensure you can access care without financial hesitation.
Health Savings Accounts (HSAs) are the most efficient way to build this fund. They provide triple tax advantages, and the funds stay with you year-over-year, effectively lowering the "real cost" of your medical events.
Compare total costs across different plan tiers and networks.
Open ToolModel potential costs for specific surgeries, chronic care, or life events.
Open ToolCalculate the long-term growth and tax savings potential of your HSA.
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