HSA Eligibility Calculator

Calculator Inputs

Tax year

Defaults use published annual limits.

Coverage type

Age

Catch-up applies at age 55+.

Months eligible this year

Simple proration: months/12.

Employer contribution (total)

Your planned contribution

Eligibility checks

Covered by a qualifying HDHP?

Any other disqualifying coverage?

Examples: non-HDHP plan, spouse plan, etc.

General-purpose FSA/HRA coverage?

Limited-purpose arrangements may be allowed.

Enrolled in Medicare?

Claimable as a dependent?

TRICARE or similar coverage?

VA medical coverage in last 3 months?

Telehealth coverage before deductible?

Informational only; rules can vary.

Results appear above this form.

Example Data Table

Scenario	Inputs	Output (summary)
Self-only, age 30, fully eligible	2026, Self-only, 12 months, HDHP: Yes, Other coverage: No, Medicare: No, Dependent: No, Employer: $600	Eligible. Prorated max: $4,400. Remaining after employer: $3,800.
Family, age 57, partial year	2026, Family, 6 months, HDHP: Yes, Other coverage: No, Medicare: No, Dependent: No, Employer: $1,200	Eligible. Prorated max: $4,875. Remaining after employer: $3,675.
Not eligible due to Medicare	2026, Self-only, 12 months, HDHP: Yes, Medicare: Yes, Employer: $0	Not eligible. Reason: Medicare enrollment disqualifies contributions.

Example outputs are illustrative and rounded.

Formula Used

Base annual limit depends on coverage type for the selected tax year.
Catch-up is added if age is 55 or older.
Annual max total = base limit + catch-up.
Prorated max = annual max total × (months eligible ÷ 12).
Remaining room = max(0, prorated max − employer contribution).
Overage risk = max(0, (employer + your planned) − prorated max).

How to Use This Calculator

Select the tax year and your coverage type.
Enter your age and eligible months for the year.
Confirm eligibility checks based on your coverage situation.
Add any employer contribution and your planned contribution.
Click Calculate to view eligibility and limits above.
Use Download CSV or Download PDF to share results.

FAQs

1) What makes someone eligible to contribute to an HSA?

You generally need qualifying HDHP coverage, no disqualifying other coverage, no Medicare enrollment, and you cannot be claimed as a dependent. Plan details can matter.

2) Do employer HSA deposits count toward the yearly limit?

Yes. Most annual limits apply to total contributions, including amounts from you, your employer, and anyone else contributing to your account.

3) What is the catch-up contribution?

If you are age 55 or older during the year, you may be allowed an additional catch-up amount on top of the standard annual limit.

4) Can I contribute if I have an FSA?

A general-purpose health FSA usually disqualifies HSA contributions. Some limited-purpose FSAs may be compatible, depending on plan design.

5) Why does Medicare enrollment matter?

Once enrolled in Medicare, you typically cannot make new HSA contributions for those months. You may still spend existing HSA funds on qualified expenses.

6) What does “months eligible” mean?

It is the number of months you were HSA-eligible during the year. This calculator prorates the maximum using months eligible divided by 12.

7) Does this calculator implement the last-month rule?

No. It uses simple monthly proration only. The last-month rule can increase allowed contributions but may require meeting a testing period.

8) Should I rely on this for tax filing?

Use it as a planning estimate. For tax decisions, confirm your plan’s details and consult a qualified tax professional if your situation is complex.