Disclaimer

The calculators, data, and articles on PlanWise are provided for general informational and educational purposes only. They do not constitute, and must not be relied on as, medical, tax, insurance, legal, financial, or any other professional advice.

Estimates, not advice or determinations

Every result this site produces is an estimate based on simplified models and the published 2026 figures from the IRS and CMS. It is not an official determination of your contribution limit, premium, surcharge, tax liability, or coverage. Your actual situation may differ because of factors our tools do not capture — including state taxes, plan-specific terms, coinsurance, eligibility rules, proration, and life-changing events.

Health and money decisions (YMYL)

Choices about health insurance, HSAs, FSAs, and Medicare can have significant and lasting financial and health consequences. Before acting on anything you read here, you should:

• Verify all figures against the primary source — for example IRS Rev. Proc. 2025-19 (HSA/HDHP limits), IRS Rev. Proc. 2025-32 (FSA limit), and CMS (Medicare premiums and IRMAA); and
• Consult a qualified professional — such as a licensed tax adviser, accountant, financial planner, insurance broker, or your benefits administrator — about your specific circumstances.

No professional relationship

Using this site does not create any advisory, fiduciary, or professional relationship between you and PlanWise. We are not a tax preparer, insurance agent, broker, or financial adviser.

Accuracy and liability

While we source data from authoritative government publications and use standard formulas, figures may be out of date, incomplete, or contain errors. PlanWise makes no warranty as to accuracy or completeness and accepts no responsibility for any loss or decision arising from reliance on the site. You use it at your own risk.

Last reviewed: 2026-06-14.

Last updated: 2026-06-14