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FSA/HSA eligibility calculator: can you have both, and what it costs if not

A general-purpose health FSA usually blocks HSA contributions, even on an HSA-eligible HDHP. Tell it your coverage, what kind of FSA (if any) applies to you, and how much you planned to put in the HSA, and it shows whether you're eligible and, if not, the tax benefit you'd give up.

✓ TestedEligibility rule from IRS Publication 969
HSA-eligible this year?–

A general-purpose health FSA is "other health coverage" under IRS Publication 969 and blocks HSA contributions for any month it's in effect; a limited-purpose or post-deductible FSA doesn't. Contributions made while ineligible are excess contributions -- not deductible, plus a 6% excise tax (Form 5329) for each year they stay in the account. 2026 HSA limits: $4,400 self-only, $8,750 family, plus $1,000 from age 55. Source: IRS Publication 969.

How it works

IRS Publication 969: "An employee covered by an HDHP and a health FSA or an HRA that pays or reimburses qualified medical expenses can't generally make contributions to an HSA." A limited-purpose FSA (dental and vision) or a post-deductible FSA don't cause this problem; a general-purpose FSA does. Contributions made while ineligible are excess contributions -- not deductible, plus a 6% excise tax (Form 5329) for every year they stay in the account. Electing a $1,200 general-purpose FSA out of habit while also planning a $3,000 pretax HSA contribution (plus $500 from the employer) at a 30% tax rate blocks the whole $3,500 and costs $900 of tax savings on your own money, plus a $210 excise tax if it isn't withdrawn; switching to a limited-purpose FSA instead fixes it at no cost. More in FSA vs HSA: which should you choose.

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