Pay with pre-tax dollars
HSA & FSA Savings Calculator
See what a WheelHouse membership could really cost when you pay with pre-tax money from a health savings account or flexible spending account.
How to use it
How to use the savings calculator
Step 1
Pick a membership or enter a monthly amount.
Step 2
Choose your federal tax bracket, and tick Virginia tax and payroll contributions if they apply.
Step 3
See your estimated yearly savings and effective cost.
How it works
How your savings are worked out
Yearly cost
The monthly membership price × 12.
Your tax rate
Your federal bracket, plus 5.75% if Virginia income tax applies, plus 7.65% if you contribute through payroll (Social Security and Medicare).
Tax saved
Yearly cost × your tax rate.
Effective cost
Yearly cost minus tax saved. For example, Standard Hybrid ($1,560 a year) at 22% plus Virginia tax saves about $433, for an effective cost of about $1,127.
The calculator also checks the 2026 HSA limits for direct primary care: $150 a month for one person, or $300 for the Family / Group plan, and warns you if the amount is above them.
Understanding your result
HSA vs FSA: the key differences
Both let you pay for eligible healthcare with pre-tax money, but they work differently.
| HSA | Health FSA | |
|---|---|---|
| Who can have one | People with an HSA-qualified high-deductible health plan | Employees whose employer offers one |
| 2026 limit | $4,400 (self-only) or $8,750 (family) | $3,400 per employee |
| Unused money | Stays yours, year after year | Usually use it or lose it; some plans let you carry over up to $680 from a 2026 plan year |
| Direct primary care | Memberships up to $150 a month (one person) or $300 (more than one) | Depends on your employer’s plan |
Next steps
Before you pay with an HSA or FSA
Basic Tele-Health ($85) and Standard Hybrid ($130) are below the $150 monthly limit for one person. Family / Group ($360) and Premium Concierge ($500) are above the limits, so they may not qualify for HSA payment, and paying for them from an HSA could affect your ability to contribute. An FSA may still work.
Visits, labs and many medicines are usually eligible medical expenses on their own. Keep your receipts, and confirm with your plan administrator or a tax adviser before you rely on these numbers.
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Common questions
About this tool
General information, not a diagnosis. For an emergency, call 911.
Under federal rules that began in 2026, direct primary care memberships up to $150 a month (individual) or $300 (more than one person) can generally be paid with HSA funds. Check with your administrator.
At $360 a month, the Family / Group plan is above the $300 limit, so it may not qualify for HSA payment. An FSA may still work. Check with your administrator.
Money you put in through payroll usually also avoids Social Security and Medicare taxes, which together are 7.65%.
Usually, yes. Visits and labs are typically eligible medical expenses. Keep your receipt.
No. It is an estimate. Please confirm with your plan administrator or a tax adviser.
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