HSA Math™: Spend Less on What Matters Most

Key takeaways: 

• HSA contributions are pre-tax, so you get an average of 30% extra spending power on the money you put in. 
• You can then spend those funds on health products you’re already buying. 
• Your HSA belongs to you. So you can spend your funds now or save them for future expenses. 

What if you could effectively pay an average of 30% less out of pocket for many of the health products you already buy?  

Well, that’s exactly what you can do with your HSA.  

The money you set aside in your account is pre-tax. So you can leverage the full spending power of your hard-earned dollars on thousands of eligible items. 

That's HSA Math™, and here’s how it works.  

Why HSA dollars go further than regular dollars  

The average person sees about 30% of their paycheck go to taxes (federal, state, FICA). If you earn $1,000, you’re left with $700. So when you pay for something out of pocket, you're spending money that's already been taxed.* 

When you pay with your HSA, on the other hand, you're using money that was never taxed. So $1,000 in your HSA is a full $1,000 in spending power. No promo code. No sale. No waiting. The savings are built into how your account works, every single time you use it.  

And there are more HSA eligible purchases than you might realize. Thousands of everyday health and wellness items qualify, including:  

• Sunscreen (SPF 15+)  
• Acne treatments  
• Period care products  
• Pain relief  
• Contact lenses and solution  
• Allergy medication  
• First aid supplies  
• Blood pressure monitors  
• Mental health and therapy services  
• Dental and vision care  

If you're already buying these items, paying with your HSA just means you're keeping more of your paycheck.  

Save now or later 

Unlike an FSA, your HSA has no use-it-or-lose-it deadline. The balance rolls over and grows year after year, even if you change jobs.   

That gives you the flexibility to spend on the healthcare items you need today or let your money grow, so you can you can use it on what you need tomorrow, too.   

• Use it now. Pay for eligible healthcare purchases, including doctor visits, everyday health essentials, telehealth services, and more, with pre-tax funds that stretch every dollar further.  
• Let it grow. Invest your HSA balance and let it compound tax-free, giving you more money for future healthcare costs or retirement.  
• Buy now, reimburse later. Don't have available funds or forgot your HSA card? You can pay for eligible healthcare expenses out of pocket today and reimburse yourself whenever you're ready. 

In summary 

HSA Math™ is simple: Save an average of 30% on out-of-pocket costs on the healthcare products you already buy.  

You can use your HSA funds now, spend them later, or let them work for you long term. There's no wrong answer—only the approach that fits where you are right now.  

Finally, math that’s easy to understand and use. 

*Tax savings estimates are based on an approximate combined federal, state, and FICA tax rate of approximately 30%. Your actual savings will vary depending on your individual tax situation. Consult a tax professional for guidance specific to your circumstances. HSA eligibility rules are set by the IRS; always verify eligibility for specific products and expenses with your plan administrator. Eligible reimbursement expenses must have been incurred after your HSA was established. Retain receipts and verify reimbursement rules with your plan administrator.