Estimated Savings for HSA Accounts

Possible Savings For Individuals With An HSA

Health Savings Account Balances (Assumes a $2,000 Deductible and Deposit Each Yr.)

Account Balance After X Years	Age of Head of Household Starting at 25	After Individual Medical Expenses of $1,000 Each Yr.	After Individual Medical Expenses of $500 Each Yr.	Zero Individual Medical Expenses
5 Years	30	$5,802	$8,703	$11,604
10 Years	35	$13,207	$19,810	$26,414
15 Years	40	$22,657	$33,986	$44,315
20 Years	45	$34,719	$52,079	$69,439
25 Years	50	$50,113	$75,170	$100,277
30 Years	55	$69,761	$104,641	$139,522
35 Years	60	$94,836	$142,254	$189,673
40 Years	65	$126,840	$190,260	$253,680

Assumes 5% interest per year, and 100% of a $2,000 deductible is deposited each year. One Medical Savings Account insurer has paid 5% interest on balances in their Medical Savings Accounts since January 1, 1997, and has not changed their interest rate since 1/1/97. Source: The HSA Coalition, 2004

Possible Savings For Families With An HSA

Health Savings Account Balances (Assumes a $4,000 Deductible and Deposit Each Yr.)

Account Balance After X Years	Age of Head of Household Starting at 25	After Individual Medical Expenses of $1,000 Each Yr.	After Individual Medical Expenses of $500 Each Yr.	Zero Individual Medical Expenses
5 Years	35	$17,406	$20,307	$23,208
10 Years	40	$39,620	$46,224	$52,827
15 Years	45	$67,972	$79,301	$90,630
20 Years	50	$104,158	$121,517	$138,877
25 Years	55	$150,340	$175,397	$200,454
30 Years	60	$209,282	$244,163	$279,043
35 Years	65	$284,509	$331,927	$379,345

Assumes 5% interest per year, and 100% of a $4,000 deductible is deposited each year. One Medical Savings Account insurer has paid 5% interest on balances in their Medical Savings Accounts since January 1, 1997, and has not changed their interest rate since 1/1/97. Source: The HSA Coalition

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Possible Savings For Individuals With An HSA

Possible Savings For Families With An HSA

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