HSA Deductible Screen

Compare plan figures with caller-supplied HSA thresholds.

Description

An HSA plan-figure screen compares deductible and out-of-pocket maximum with supplied thresholds.

An HSA plan-figure screen compares deductible and out-of-pocket maximum with supplied thresholds. Meeting both numerical comparisons is its sole composite condition.^{[1, 2]}

Compare plan figures with caller-supplied HSA thresholds.

When to use HSA Deductible Screen

Use this tool to compare plan figures with caller-supplied HSA thresholds.

Prepare the supplied policy terms, dates, assumptions or recorded indicators requested. Keep monetary amounts on one currency basis and select the applicable thresholds separately.

How to use HSA Deductible Screen and understand its results

Prepare the supplied policy terms, dates, assumptions or recorded indicators requested. Keep monetary amounts on one currency basis and select the applicable thresholds separately.
Enter deductible, minimumDeductible, outOfPocketMaximum, maximumOutOfPocket using the field table and calculation rules, then run the tool.
Read deductibleMeetsMinimum, outOfPocketWithinMaximum, meetsCallerThresholds. The explanation below defines the units, signs, ordering and any flags or placeholder values.
If the tool reports an input issue, correct the values and run it again. Apply the stated assumptions when interpreting a successfully returned result.

Input field	Meaning	Value type; see rules below	Requirement
deductible	Plan deductible (currency)	number; minimum: 0	Required
minimumDeductible	Minimum deductible (currency)	number; minimum: 0	Required
outOfPocketMaximum	Plan out-of-pocket maximum (currency)	number; minimum: 0	Required
maximumOutOfPocket	Maximum out-of-pocket (currency)	number; minimum: 0	Required

Enter four nonnegative figures. Return each inclusive comparison and their conjunction.

passes=deductible≥minimum AND outOfPocket≤maximum

Units, indexing, boundary conditions and exceptional cases are defined in the calculation rules above.

Output field	Meaning	Value type
deductibleMeetsMinimum	Deductible meets minimum	boolean
outOfPocketWithinMaximum	Out-of-pocket within maximum	boolean
meetsCallerThresholds	Meets caller thresholds	boolean

json

{
  "input": {
    "deductible": 1800,
    "minimumDeductible": 1600,
    "outOfPocketMaximum": 8000,
    "maximumOutOfPocket": 8050
  },
  "output": {
    "deductibleMeetsMinimum": true,
    "outOfPocketWithinMaximum": true,
    "meetsCallerThresholds": true
  }
}

Limitations and assumptions

No current statutory figures, other coverage, eligibility criteria or legal HSA qualification are established.

Numeric inputs must be finite. Follow the calculation-specific rules for overflow, underflow and exceptional cases. Missing required fields, extra fields, wrong value types and violations of the calculation rules are input errors. A successfully returned false flag is an evaluated outcome; its meaning is explained above.

Alternative or Complementary methods

Use HSA Tax Savings: Estimate HSA contribution, payroll, and investment-growth tax savings. For a complementary task, use Family Deductible Progress: Track embedded individual expenses toward a family deductible.

Further background: Publication 969: Health Savings Accounts and Other Tax-Favored Health Plans.

References

HSA Deductible Screen — tool.io
Publication 969: Health Savings Accounts and Other Tax-Favored Health Plans — Internal Revenue Service

Similar or alternative tools

HSA Tax Savings
Estimate HSA contribution, payroll, and investment-growth tax savings.
Family Deductible Progress
Track embedded individual expenses toward a family deductible.