A
Health Plan Comparison
Prescriptions, visits, procedures you anticipate this year.
Used for HSA/FSA tax savings. Combined federal + state.
Coinsurance is your share after meeting the deductible (e.g. 20% means you pay 20%, insurance pays 80%). Leave at 0% if your plan covers 100% after deductible.
B
HSA / FSA Tax Optimizer
2026 HSA self-only limit: $4,400 · Verify at IRS.gov each year.
Some employers seed your HSA — check your enrollment materials.
HSA triple tax advantage: (1) Contributions are pre-tax, (2) growth is tax-free, (3) withdrawals for qualified medical expenses are tax-free. After age 65, withdrawals for any purpose are taxed as ordinary income — like a traditional IRA.
C
401(k) Match Capture
Percentage of salary you plan to contribute.
e.g. 100 = dollar-for-dollar; 50 = 50 cents per dollar.
Employer matches up to this % of your salary.
2026 limit: $24,500. Update annually from IRS.gov.
Common match formula example: "100% up to 4% of salary" → set Match Rate = 100, Match Cap = 4. Another example: "50% up to 6%" → Match Rate = 50, Match Cap = 6.
Your Benefits Analysis
Health Plan Cost Comparison
HSA / FSA Tax Advantage
401(k) Match Analysis
Export your benefits election record: