Make the Most of Your PNC BeneFit Plus HSA


See how the value of your HSA could increase over time.


For more on how the Health Savings Account (HSA) works, including how to invest in the available brokerage funds if desired, please review the HSA User Guide on PNC Benefits.


NOTE: This tool is for educational purposes only. The information you enter is not saved anywhere and does not change your actual elections. If you want to change your HSA contributions, you must make a new election as part of the Benefits Enrollment process. Learn more about the HSA.


Get Started

Total Potential HSA Account Value

$0

Contributions1

$0

Earnings2

$0

Pre-Tax Savings3

$0


1Contributions are based on the contribution amount you provided, minus estimated annual withdrawals. This amount also includes any estimated PNC contributions listed in the calculator fields below and any existing balance you provided.
2Earnings are included in the calculation only if you provided a Projected HSA Investment Earnings Rate in the calculator below.
3This represents the estimated pre-tax savings you will realize by contributing to your HSA. It does not represent a contribution to your HSA, but rather the amount your taxes are reduced when you contribute to your HSA.


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Please enter all required fields below.

Withdrawal estimates cannot exceed contributions.
Please change the assumptions you provided below.

HSA Contribution Calculator


Please select a Medical Plan.



Please select a Coverage Level.





Please select your Annual Pay.


$

PNC Salary-based Contribution : $
Estimated Wellness Credits : $
Total PNC Contribution : $
$

$

$
$

HSA Future Growth

$


$
% 
yrs. 


Please select your Current Tax Rate.
Determine Your Tax Rate


Calculate My HSA Future Growth

About this modeler

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About Your Current HSA Balance

If you don’t know your current balance, just enter a rough estimate. Or, you can check your PNC BeneFit Plus HSA balance anytime at Pathfinder > Benefits > PNC BeneFit Plus HSA.

About Your Projected HSA Investment Earnings Rate

Refer to Pathfinder > Benefits > PNC BeneFit Plus HSA for more information about investing your HSA balance.

Please refer to the HSA User Guide for more information about available investment options.

About Your Age

This helps determine your eligibility to make catch-up contributions to the HSA (you may also contribute up to $1,000 in additional catch-up contributions if you are age 55 or older, or will reach age 55 during the year) and will be used in the second part of this tool when we project savings growth at retirement.

About Your PNC Annual Pay

This is used to determine your eligibility for the PNC salary-based HSA Contribution. PNC’s contribution is deposited in your PNC BeneFit Plus HSA each pay through the year, and is in addition to any Living Well incentives you may earn.

Looking Ahead How Many Years?

For illustrative purposes, this calculator assumes all contributions end no later than age 65 (or after one year for anyone currently age 65 or older).

About this table

This table represents the Total Contributions and Earned Interest, but excludes the Estimated Pre-Tax Savings figure as it is not an actual dollar contribution to your HSA account.

About Your Annual Contribution

Each year, the federal government determines the total maximum HSA contributions allowed from all sources. This includes any money you and/or PNC may contribute to your HSA, such as per-pay contributions, Wellness Credits, any salary-based HSA contributions, etc. For 2018, this maximum is $3,450 if you cover yourself only, and $6,850 for all other coverage levels.

If you are age 55 or older, you may also make an additional “catch-up” contribution of up to $1,000, regardless of coverage level..

Please enter how much you expect to earn in Wellness Credits

Wellness Credits are deposited in your HSA as cash when you participate in certain Living Well activities. Generally, you and your covered spouse/domestic partner can each earn $100 for completing a Health Assessment. You then can earn an additional $500 (in $100 increments) for completing other eligible activities; your covered spouse/domestic partner can earn up to an additional $300.

Wellness Credits are deposited in your account by PNC and count toward your IRS maximum contribution. This maximum includes all sources of contributions to your HSA: PNC's contribution (if applicable), Living Well credits earned by you and deposited by PNC in your HSA, or your contribution (either per-pay or directly to your HSA). Learn more.

Please refer to the Wellness Incentive Program Checklist for details.

What is an HSA?

A Health Savings Account (HSA) is like a personal savings accounts, but the money saved there is used to pay for you and your family’s qualified health care expenses.

Why consider an HSA?

  • You own and control the money in your health savings account.

  • You do not pay taxes on money going into your HSA or any associated investment growth.

  • Money contributed into the account is with pre-tax dollars, which reduces your taxes per your tax rate.

  • Any unused money at the end of the year rolls over (stays in your account) year over year.

  • It is portable as you move between employers.

Who can participate?

You must be under the age of 65 and participate in a High-Deductible Health Plan (HDHP). If your spouse uses your insurance as secondary coverage, s/he must also be enrolled in a HDHP. The HDHP must be your only health insurance; however, having dental, vision, disability and long term care insurance does not disqualify you from having an HSA.

How much may I contribute?

Each year the federal government determines the maximum dollar amount both you and your employer may contribute. If you are aged 55 years or older, you may also make “catch-up” contributions in addition to the maximum contribution guidelines.

Determine Your Tax Rate

  1.  Single
     Married Filing Jointly
     Married Filing Separately
     Head of Household
  2. Cancel

Calculate Eligible Expense Enter annual amounts Expand All

Your estimated expenses for Medical and Prescription Drugs cannot exceed your medical plan Out-of-Pocket Maximum of .
Your estimated expenses for Medical and Prescription Drugs for any individual cannot exceed your medical plan Out-of-Pocket Maximum of .
For purposes of estimation, the total of all Dental, Vision, Hearing, and Other Eligible Health Care expenses cannot be greater than .

Medical

    Deductible, Co-Pays and/or Co-Insurance

  1. $
  2. $
  3. $

Prescription Drugs

  1. $
  2. $
  3. $

Dental

  1. $
  2. $
  3. $

Vision

  1. $
  2. $
  3. $

Hearing

  1. $
  2. $
  3. $

Other Eligible Healthcare

  1. $
  2. $
  3. $

About this modeler

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About this table

This table represents the Total Contributions and Earned Interest, but excludes the Estimated Pre-Tax Savings figure as it is not an actual dollar contribution to your HSA account.

About Your Out-of-Pocket Expenses

Use the high-level chart below to help you estimate your annual out-of-pocket medical and prescription drug expenses. For example, do you typically meet your deductible? If so, use that number as a guideline, then add coinsurance costs on top of that if you expect to need additional care. Remember, the out-of-pocket maximum is the most you would pay for covered services from in-network providers next year.

Think about any eligible dental and vision expenses you may want to pay with your HSA next year, as well

When you have a rough idea of your estimated expenses, simply close this popup and type your estimated expenses into the main page of the calculator.

At-a-Glance Guide to In-Network Expenses*

Health Choice 1 Health Choice 2
Covered Preventive Care No deductible; plan pays 100% (you pay nothing)
Deductible $1,350 if you cover yourself only
$2,700 if you cover any family members
$2,500 if you cover yourself only
$5,000 if you cover any family members
Coinsurance You pay 20% after deductible
Out-of-pocket Maximum $3,000 if you cover yourself only
$6,000 family
(not to exceed $3,000 for any family member)
$5,000 if you cover yourself only
$10,000 family
(not to exceed $6,850 for any family member)

* This table provides a high-level summary for purposes of this calculator only. Please refer to pncbenefits.com or refer to the Medical Plan Summary Plan Description (SPD) for more detailed information.

What is an HSA?

A Health Savings Account (HSA) is like a personal savings accounts, but the money saved there is used to pay for you and your family’s qualified health care expenses.

Why consider an HSA?

  • You own and control the money in your health savings account.

  • You do not pay taxes on money going into your HSA or any associated investment growth.

  • Money contributed into the account is with pre-tax dollars, which reduces your taxes per your tax rate.

  • Any unused money at the end of the year rolls over (stays in your account) year over year.

  • It is portable as you move between employers.

Who can participate?

You must be under the age of 65 and participate in a High-Deductible Health Plan (HDHP). If your spouse uses your insurance as secondary coverage, s/he must also be enrolled in a HDHP. The HDHP must be your only health insurance; however, having dental, vision, disability and long term care insurance does not disqualify you from having an HSA.

How much may I contribute?

Each year the federal government determines the maximum dollar amount both you and your employer may contribute. If you are aged 55 years or older, you may also make “catch-up” contributions in addition to the maximum contribution guidelines.

Here are your recommended contribution amounts

Do you want to save just enough to cover anticipated expenses for the coming year or save money for the future? See below for personalized recommendations* to help you achieve your goal.

Just Enough to Pay Next Year’s Expenses
(based on estimated out-of-pocket expenses)
Maximize My Savings
(build your HSA balance for future use)
$0 / year $0 / year
$0 / paycheck $0/ paycheck
*Recommendations are capped at IRS limits.

Keep in mind that the money in your HSA is never forfeited — it rolls over from year to year and is yours to keep, even if you leave PNC.