HSA Calculator — Tax Savings & Growth
Calculate HSA tax savings, investment growth, and retirement health care funding. The triple tax advantage explained.
भारत में
No HSA equivalent — but Section 80D: health insurance premium deduction। Self/family: ₹25,000। Parents (senior): ₹50,000। Total possible: ₹75,000/year deduction। Preventive health checkup: ₹5,000 within 80D limit। Star Health, HDFC Ergo, Care Health: popular।
Critical Illness
Critical illness rider/policy: ₹10-50 lakh lump sum on diagnosis। Cancer, heart attack, stroke covered। ₹500-2,000/month premium for ₹25 lakh cover।
Contributing to your HSA through payroll deduction saves an additional 7.65% in FICA taxes compared to making direct contributions. On a $4,150 contribution, payroll deduction saves $317 in FICA that a direct contribution does not. Always contribute through payroll if your employer offers it.
