HSA Calculators by State

🏥 HSA Calculator by State — 2026

Compare Health Savings Account tax savings across all 50 states. Each calculator includes state-specific tax rates, contribution limits, and long-term investment growth projections.

$4,300
Self-Only Limit (2026)
$8,550
Family Limit (2026)
$5,300
Self + Catch-Up (55+)
$9,550
Family + Catch-Up (55+)

💰 Highest State Tax Savings

  • Hawaii — 11% state tax deduction
  • New York — 10.9% state tax deduction
  • Oregon — 9.9% state tax deduction
  • Minnesota — 9.85% state tax deduction
  • Vermont — 8.75% state tax deduction

🏝️ No State Income Tax (9 States)

  • Alaska — federal + FICA savings only
  • Florida — federal + FICA savings only
  • Nevada — federal + FICA savings only
  • New Hampshire — federal + FICA savings only
  • South Dakota — federal + FICA savings only
  • Tennessee — federal + FICA savings only
  • Texas — federal + FICA savings only
  • Washington — federal + FICA savings only
  • Wyoming — federal + FICA savings only

⚠️ No HSA State Deduction

  • California — 13.3% tax, but NO HSA deduction
  • New Jersey — 10.75% tax, but NO HSA deduction
  • All other states with income tax allow HSA deductions

📊 Triple Tax Advantage

  • Tax-free contributions — reduce taxable income
  • Tax-free growth — investments grow without tax
  • Tax-free withdrawals — for qualified medical expenses
  • After 65: use for ANY expense (taxed as income, no penalty)

All 50 States

Alabama5% state tax AlaskaNo state tax Arizona2.5% state tax Arkansas4.7% state tax California13.3% (no HSA deduction) Colorado4.4% state tax Connecticut6.99% state tax Delaware6.6% state tax FloridaNo state tax Georgia5.75% state tax Hawaii11% state tax Idaho5.8% state tax Illinois4.95% state tax Indiana3.23% state tax Iowa5.7% state tax Kansas5.7% state tax Kentucky4.5% state tax Louisiana4.25% state tax Maine7.15% state tax Maryland5.75% state tax Massachusetts5% state tax Michigan4.25% state tax Minnesota9.85% state tax Mississippi5% state tax Missouri4.95% state tax Montana6.75% state tax Nebraska6.84% state tax NevadaNo state tax New HampshireNo state tax New Jersey10.75% (no HSA deduction) New Mexico5.9% state tax New York10.9% state tax North Carolina4.5% state tax North Dakota2.9% state tax Ohio3.99% state tax Oklahoma4.75% state tax Oregon9.9% state tax Pennsylvania3.07% state tax Rhode Island5.99% state tax South Carolina6.5% state tax South DakotaNo state tax TennesseeNo state tax TexasNo state tax Utah4.85% state tax Vermont8.75% state tax Virginia5.75% state tax WashingtonNo state tax West Virginia6.5% state tax Wisconsin7.65% state tax WyomingNo state tax