HSA Telehealth Savings Calculator
The way you use your Health Savings Account (HSA) for telehealth just got a significant upgrade. With the permanent changes enacted by the OBBBA (signed July 4, 2025), High Deductible Health Plans (HDHPs) can now cover telehealth and other remote care services before you meet your deductible, without jeopardizing your HSA eligibility. This rule is retroactive to January 1, 2025, and applies to plan years after December 31, 2024. This means more flexibility and potential savings for W2 employees, self-employed individuals, and families. Use this calculator to see how incorporating telehealth into your healthcare strategy can impact your HSA contributions and overall healthcare costs.
HSA Telehealth Savings Calculator
Estimate your potential HSA savings by accounting for telehealth visits covered pre-deductible. See how the permanent rule changes impact your HDHP and HSA contribution strategy for 2025 and 2026.
What You Need
Plan Year
Select the plan year to apply the correct HSA contribution limits and HDHP requirements.
HSA Coverage Type
Choose whether your HDHP covers you as an individual or your family.
Are you age 55 or older?
Indicate if you are 55 or older to include the catch-up contribution.
Average Telehealth Visit Cost (if paid by you)
Enter the average cost you would pay per telehealth visit if not covered by your plan.
Estimated Number of Telehealth Visits Per Year
Estimate how many telehealth visits you anticipate having in a year.
Current Annual HSA Contribution
Enter the amount you currently contribute to your HSA annually.
How It Works
This calculator helps you understand your potential HSA contribution capacity and how telehealth savings can impact it. It first determines your maximum eligible HSA contribution for the selected plan year and coverage type, including catch-up contributions if applicable. It then calculates the total estimated cost of your telehealth visits if you were paying out-of-pocket.
Example Scenarios
Potential to contribute an additional $2,400 to HSA
For 2026, a self-only individual can contribute up to $4,400. If they currently contribute $2,000, and their HDHP covers 4 telehealth visits at $50 each pre-deductible, they save $200 on out-of-pocket telehealth costs.
This calculator uses the latest available HSA contribution limits and HDHP eligibility criteria for 2025 and 2026 from the IRS and other official sources. It incorporates the permanent change via the OBBBA, allowing HDHPs to cover telehealth/remote care pre-deductible without affecting HSA
Pro Tips
- Verify your specific HDHP plan documents to understand how they've adapted to the permanent telehealth pre-deductible coverage rules. Not all plans immediately implement every permissible change.
- Consider the tax savings from increased HSA contributions. Every dollar you contribute to an HSA reduces your taxable income, and telehealth savings can free up more cash to contribute.
- If you anticipate frequent virtual care, factor in the potential pre-deductible telehealth coverage when choosing your HDHP during open enrollment. It could significantly alter your out-of-pocket costs.
- Keep meticulous records of all telehealth visits and associated costs, whether paid by your plan or your HSA. This is crucial for tax purposes and tracking your deductible progress.
- Remember that while the *plan* can cover telehealth pre-deductible, the actual cost of the visit still typically counts towards your overall deductible and out-of-pocket maximum, helping you reach them faster.
Frequently Asked Questions
What is the key change regarding telehealth and HSA eligibility?
Effective January 1, 2025, and permanently, HDHPs can cover telehealth and other remote care services before you meet your deductible without affecting your eligibility to contribute to an HSA. This change, enacted via the OBBBA, provides greater flexibility in accessing virtual care.
Does my HDHP *have* to cover telehealth pre-deductible?
The new rules *allow* HDHPs to cover telehealth pre-deductible without losing HSA eligibility. It's up to your specific insurance plan whether they choose to offer this coverage. Always check your plan documents for details on what services are covered and at what cost.
Are telehealth services generally considered HSA-eligible expenses?
Yes, if the telehealth service is for medical care, diagnosis, cure, mitigation, treatment, or prevention of disease, it is generally an HSA-eligible expense. This includes virtual doctor visits, mental health counseling, and other remote medical consultations. Always confirm specific services with your HSA provider or a tax professional.
How do the 2026 HSA contribution limits compare to previous years?
For 2026, the HSA contribution limits are $4,400 for self-only coverage and $8,750 for family coverage. Individuals age 55 and older (not on Medicare) can contribute an additional $1,000 catch-up contribution. For comparison, the 2025 limits were $4,300 self-only and $8,550 family.
Can I use my HSA for telehealth services even if my HDHP doesn't cover them pre-deductible?
Yes, regardless of your HDHP's pre-deductible coverage, you can always use your HSA funds to pay for qualified medical expenses, including telehealth services, once the expense is incurred. The new rule simply allows your *plan* to cover it without affecting your HSA eligibility.
What are the HDHP eligibility requirements for 2026?
To be HSA-eligible in 2026, your HDHP must have a minimum deductible of $1,700 for self-only coverage or $3,400 for family coverage. The maximum out-of-pocket limits are $8,500 for self-only and $17,000 for family coverage.
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